Home Insurance in Norwalk, Iowa
With a median home value of $303,100, Norwalk is 12% higher than the Warren County median.
The typical home in Norwalk was built around 2002. About 10% of homes were built before 1960, about 9 points below Warren County's 19%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Norwalk breaks down to 83% single-family homes and 13% apartments in buildings with 5+ units.
71% of owner-occupied homes in Norwalk carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Norwalk are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
65% of homes in Norwalk are primarily heated with natural gas.
Warren County had 32 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Warren 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 | $303,100 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)