Home Insurance in Fort Atkinson, Iowa
With a median home value of $132,100, Fort Atkinson is 49% lower than the Winneshiek County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Fort Atkinson was built around 1959. About 51% of homes were built before 1960, about 3 points above Winneshiek County's 49%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fort Atkinson is 85% single-family homes and 10% mobile or manufactured homes.
About 52% of owner-occupied homes in Fort Atkinson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Fort Atkinson are owner-occupied.
Most homes in Fort Atkinson - 79% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Fort Atkinson? FEMA's National Risk Index points to hail (Relatively Moderate) in Winneshiek County and Winneshiek County had 75 active NFIP flood policies as of September 2026. See the full Winneshiek 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 | $132,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Winneshiek County | 75 |
| 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)