Home Insurance in Ackworth, Iowa
With a median home value of $237,500, Ackworth is 12% lower than the Warren County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ackworth was built around 2001. About 11% of homes were built before 1960, about 8 points below Warren County's 19%.
Housing in Ackworth breaks down to 100% single-family homes.
84% of owner-occupied homes in Ackworth carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Ackworth are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 81% of homes in Ackworth are primarily heated with propane.
FEMA rates Warren County's overall risk as Very Low, led by tornado (Relatively Moderate). Warren County had 32 active NFIP flood policies as of September 2026. See the full Warren County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $237,500 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 84% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Warren County | 32 |
| 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)