Home Insurance in Spring Hill, Iowa
The typical home in Spring Hill was built around 1953. About 69% of homes were built before 1960, about 49 points above Warren County's 19%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Spring Hill is 100% single-family homes.
About 80% of owner-occupied homes in Spring Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Spring Hill are owner-occupied. The vacancy rate is 12%; 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. In Spring Hill, 50% of homes are primarily heated with electricity.
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.
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 year built | 1953 |
|---|---|
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)