Home Insurance in Wright County, Iowa
Homes in Wright County carry a median value of $119,600 - 42% lower than the Iowa median.
The typical home in Wright County was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 50% of homes were built before 1960, about 12 points above Iowa's 38%.
In Wright County, the housing stock is 88% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
51% of owner-occupied homes in Wright County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 77% of occupied homes in Wright County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wright County - 60% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Wright County's top hazards are hail (Relatively Low), winter weather (Relatively Moderate) and tornado (Relatively Low).
Wright County had 19 active National Flood Insurance Program policies as of September 2026. 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 | $119,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Winter Weather (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 19 |
| 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)