Home Insurance in Lacona, Iowa
The median home value in Lacona is $97,500, 64% lower than the Warren County median.
The typical home in Lacona was built around 1943. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 54% of homes were built before 1960, about 35 points above Warren County's 19%.
In Lacona, the housing stock is 94% single-family homes, 2% 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.
33% of owner-occupied homes in Lacona carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Lacona are owner-occupied.
In Lacona, 86% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Lacona? FEMA's National Risk Index points to tornado (Relatively Moderate) in Warren County and 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 | $97,500 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)