Home Insurance in Winneshiek County, Iowa
The median home value in Winneshiek County is $259,200, 25% higher than the Iowa median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Winneshiek County was built around 1962. About 49% of homes were built before 1960, about 11 points above Iowa's 38%.
The housing stock in Winneshiek County is 84% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
54% of owner-occupied homes in Winneshiek County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Winneshiek County has an owner-occupancy rate of 74% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Winneshiek County, 42% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Winneshiek County's top hazards are hail (Relatively Moderate), tornado (Relatively Low) and inland flooding (Relatively Low).
As of September 2026, Winneshiek County has 75 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $259,200 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 75 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)