Home Insurance in Dows, Iowa
Homes in Dows carry a median value of $59,800 - 50% lower than the Wright County median.
The median home in Dows was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 69% of homes were built before 1960, about 19 points above Wright County's 50%.
Housing in Dows breaks down to 93% single-family homes and 4% apartments in buildings with 5+ units.
In Dows, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dows has an owner-occupancy rate of 75% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Dows - 68% - are primarily heated with propane. Homes heated with propane and fuel oil 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 Dows? FEMA's National Risk Index points to hail (Relatively Low) in Wright County and Wright County had 19 active NFIP flood policies as of September 2026. See the full Wright 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 | $59,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Wright County | 19 |
| 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)