Home Insurance in Spillville, Iowa
With a median home value of $157,500, Spillville is 39% lower than the Winneshiek County median.
The typical home in Spillville was built around 1954. About 59% of homes were built before 1960, about 10 points above Winneshiek County's 49%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Spillville, the housing stock is 82% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 45% of owner-occupied homes in Spillville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Spillville has an owner-occupancy rate of 65% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Spillville, 54% of homes are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Winneshiek County had 75 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $157,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)