Home Insurance in Warren County, Iowa
The median home value in Warren County is $269,600, 30% higher than the Iowa median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Warren County was built around 1985. About 19% of homes were built before 1960, about 19 points below Iowa's 38%.
The housing stock in Warren County is 82% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Warren County, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Warren County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Warren County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Warren County, per FEMA's National Risk Index, are tornado (Relatively Moderate), wildfire (Very Low) and strong wind (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Warren County has 32 active NFIP flood policies on file.
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 | $269,600 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Wildfire (Very Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 32 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
- Ackworth
- Bevington
- Cumming
- Hartford
- Indianola
- Lacona
- Martensdale
- Milo
- New Virginia
- Norwalk
- Sandyville
- Spring Hill
- St. Marys
Sources
- 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)