Home Insurance in Seymour, Iowa
With a median home value of $86,800, Seymour is 22% lower than the Wayne County median.
The typical home in Seymour was built around 1951. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 59% of homes were built before 1960, about 15 points above Wayne County's 44%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Seymour is 82% single-family homes and 11% mobile or manufactured homes.
In Seymour, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Seymour are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Seymour, 79% of homes are primarily heated with natural gas.
Wayne County has no active NFIP flood policies on file. Its top FEMA-rated hazard is tornado (Relatively Low). 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 | $86,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)