Home Insurance in Joice, Iowa
Homes in Joice carry a median value of $96,900 - 34% lower than the Worth County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Joice was built around 1952. About 55% of homes were built before 1960, about 5 points below Worth County's 61%.
In Joice, the housing stock is 92% single-family homes.
In Joice, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Joice has an owner-occupancy rate of 75% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
90% of homes in Joice are primarily heated with natural gas.
Worth County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. Worth County had 5 active NFIP flood policies as of September 2026. See the full Worth County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $96,900 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Worth County | 5 |
| 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)