Home Insurance in Agency, Iowa
The median home value in Agency is $157,300, 26% higher than the Wapello County median.
The typical home in Agency was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 46% of homes were built before 1960, about 6 points below Wapello County's 52%.
Housing in Agency breaks down to 91% single-family homes and 9% apartments in buildings with 5+ units.
62% of owner-occupied homes in Agency carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Agency are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Agency - 81% - are primarily heated with natural gas.
FEMA rates Wapello County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Wapello County had 34 active NFIP flood policies as of September 2026. See the full Wapello County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $157,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Wapello County | 34 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)