Home Insurance in Rowan, Iowa
The median home in Rowan was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 72% of homes were built before 1960, about 22 points above Wright County's 50%.
The housing stock in Rowan is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rowan, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rowan has an owner-occupancy rate of 90% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Rowan - 76% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Wright County's overall risk as Very Low, led by hail (Relatively Low). 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)