Home Insurance in Kirkville, Iowa
Homes in Kirkville carry a median value of $93,300 - 25% lower than the Wapello County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kirkville was built around 1985. About 17% of homes were built before 1960, about 35 points below Wapello County's 52%.
The housing stock in Kirkville is 53% single-family homes and 47% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Kirkville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kirkville has an owner-occupancy rate of 96% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Kirkville, 84% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Wapello County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $93,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)