Home Insurance in Lineville, Iowa
With a median home value of $56,100, Lineville is 50% lower than the Wayne County median.
The typical home in Lineville was built around 1969. About 34% of homes were built before 1960, about 10 points below Wayne County's 44%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Lineville, the housing stock is 85% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lineville, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Lineville are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lineville, 73% of homes are primarily heated with natural gas.
FEMA rates Wayne County's overall risk as Very Low, led by tornado (Relatively Low). Wayne County has no active NFIP flood policies on file. See the full Wayne 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 | $56,100 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Tornado (Relatively Low) |
| 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)