Iowa Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 580 ZIP codes in Iowa (IA).

The verdict

According to U.S. Treasury FIO filings, Iowa ranks #29 of 51 by average premium ($1,629/yr) ≠ #20 of 50 by nonrenewal (1.20%). Cost rank is not withdrawal rank.

$1,629
State avg premium (#29 of 51): #20
Nonrenewal of 50 (1.20%): 51355
In-state premium ZIP #1 ($2,506): 50316
In-state nonrenewal ZIP #1 (1.82%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Iowa vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,629 Lower than most lower premium than 55% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Iowa pay an average of $1,629 per year for home insurance - 8% below the national average of $1,776. That ranks Iowa as the 29th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 12.2%; loss ratios near 100% suggest insurers are operating on thin margins in this state; nonrenewal rates declined by 23.3% over the same period.

On five-year premium growth (2018–2022), Iowa ranks 9th out of 51 states. Its nonrenewal rate (1.20%) ranks 20th out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Iowa Compares

vs National Average

$1,629 vs $1,776

8% below national avg

Rank Among States

29th of 51

most expensive for homeowners insurance

Loss Ratio vs National

87.6% vs 58.0%

insurers pay out more per premium dollar here

Avg Premium

$1,629/yr

National avg: $1,776 (-8% below)

Premium Change

+12.2%

2018-2022 change

Avg Loss Ratio

87.6%

Claims paid vs premiums earned

Nonrenewal Rate

1.20%

-23.3% change

Data Snapshot: Iowa Homeowners Insurance

Across the 580 Iowa ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,629. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Iowa homeowner pays, gives $1,534 per year. That is 8% below the national average of $1,776 per year reported by the Federal Insurance Office. Iowa ranks 29th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $1,221 in 52401 to $2,506 in 51355.

Between 2018 and 2022, average premiums rose by 12.2% in Iowa, placing the state 9th nationally on five-year premium growth. The state-level loss ratio averaged 87.6%, meaning insurers are operating on thin margins, which can precede rate filings. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 1.20% across the ZIP codes that report one (86% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so this figure is likely conservative), a decline of 23.3% over the study period (ranking 20th out of 50 states).

Within Iowa, premium dispersion across ZIP codes is substantial: the most expensive ZIP (51355 in Okoboji) charges 105% more than the least expensive (52401 in Cedar Rapids), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Iowa

Iowa statewide - FIO 2018-2022 average: 88% (Consumer-favorable) - near break-even, premium pressure likely in next renewal cycle.

ZIP Codes Tracked

580

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,451	$1,433	60.8%	6.29%	1.56%
2019	$1,474 (+1.5%)	$1,446	47.1%	4.97%	1.38%
2020	$1,505 (+2.1%)	$1,480	141.4%	15.02%	1.13%
2021	$1,586 (+5.4%)	$1,561	79.8%	7.26%	1.31%
2022	$1,629 (+2.7%)	$1,602	87.6%	8.47%	1.20%

Average homeowners premium per year in Iowa.

Most Expensive ZIP Codes in Iowa

Most Affordable ZIP Codes in Iowa

All ZIP Codes in Iowa

580 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
51355	Okoboji	$2,506	32.5%	5.67%	0.28%
50061	Cumming	$2,428	120.1%	15.13%	0.42%
51561	Pacific Junction	$2,388	96.1%	11.86%	0.52%
51542	Honey Creek	$2,343	24.8%	3.54%	1.01%
52767	Pleasant Valley	$2,241	13.6%	3.80%	2.53%
51575	Treynor	$2,213	46.5%	6.44%	1.84%
51533	Emerson	$2,212	27.2%	5.06%	2.53%
51548	Mc Clelland	$2,201	53.4%	10.53%	1.32%
50216	Panora	$2,194	40.8%	8.03%	0.37%
51571	Silver City	$2,181	278.8%	31.45%	1.61%
50146	Linden	$2,180	88.0%	13.56%	1.69%
50122	Hubbard	$2,174	44.1%	7.25%	1.45%
51526	Crescent	$2,148	20.5%	3.64%	1.46%
50074	Ellston	$2,122	52.9%	13.95%	0.59%
51653	Tabor	$2,100	88.4%	15.52%	0.57%
50261	Van Meter	$2,088	34.8%	6.67%	0.67%
51546	Logan	$2,062	45.3%	5.68%	1.08%
51551	Malvern	$2,062	86.3%	11.01%	0.94%
51555	Missouri Valley	$2,028	23.0%	4.20%	1.73%
50323	Urbandale	$2,024	50.8%	6.88%	0.95%
50214	Otley	$2,020	25.2%	6.29%	1.40%
51063	Whiting	$2,012	52.7%	13.33%	N/A
51576	Underwood	$2,009	154.5%	13.88%	1.54%
50858	Orient	$1,992	1198.3%	83.33%	N/A
51534	Glenwood	$1,987	142.1%	15.79%	1.21%
51525	Carson	$1,984	423.7%	44.59%	N/A
50229	Prole	$1,978	122.0%	12.50%	N/A
52338	Swisher	$1,974	100.9%	8.88%	0.65%
52236	Homestead	$1,970	77.3%	7.23%	1.20%
50568	Newell	$1,964	64.7%	16.48%	N/A
51557	Mondamin	$1,964	89.1%	14.73%	1.55%
50312	Des Moines	$1,962	96.7%	14.31%	0.41%
50830	Afton	$1,959	165.2%	27.45%	1.31%
51563	Persia	$1,934	73.7%	9.30%	N/A
51360	Spirit Lake	$1,929	105.5%	12.51%	0.65%
51503	Council Bluffs	$1,929	71.6%	8.16%	1.25%
51570	Shelby	$1,919	24.9%	3.50%	N/A
51357	Royal	$1,919	133.2%	18.87%	1.89%
51024	Hinton	$1,912	75.6%	3.35%	0.28%
51462	Scranton	$1,910	80.4%	7.69%	1.10%
50325	Clive	$1,905	220.3%	27.70%	1.27%
50237	Runnells	$1,903	728.6%	25.88%	0.74%
51030	Lawton	$1,901	162.5%	13.09%	0.36%
52325	Parnell	$1,893	39.4%	6.25%	1.25%
50854	Mount Ayr	$1,890	24.8%	5.97%	1.49%
51529	Dunlap	$1,885	106.9%	8.46%	0.77%
51054	Sergeant Bluff	$1,884	15.3%	4.32%	0.60%
52411	Cedar Rapids	$1,881	199.6%	9.06%	0.88%
51108	Sioux City	$1,880	31.6%	4.64%	1.64%
51559	Neola	$1,875	109.3%	12.54%	1.88%
52333	Solon	$1,874	68.4%	5.69%	0.64%
50134	Kelley	$1,866	129.0%	10.29%	1.47%
51579	Woodbine	$1,857	481.4%	53.15%	1.35%
51436	Breda	$1,855	13.2%	5.97%	N/A
51351	Milford	$1,855	25.0%	4.50%	0.11%
51034	Mapleton	$1,850	19.2%	1.97%	0.66%
50447	Kanawha	$1,848	247.7%	35.82%	1.49%
50070	Dexter	$1,848	166.0%	14.07%	0.38%
50801	Creston	$1,847	51.5%	8.23%	1.87%
50627	Eldora	$1,847	58.2%	10.10%	1.41%
50002	Adair	$1,846	12.7%	6.31%	N/A
50151	Lucas	$1,845	441.7%	7.23%	3.61%
50234	Rhodes	$1,844	214.3%	9.17%	1.83%
50003	Adel	$1,843	45.0%	4.08%	0.71%
50266	West Des Moines	$1,843	194.1%	25.32%	0.75%
50048	Casey	$1,841	40.6%	8.33%	4.76%
51002	Alta	$1,841	64.2%	8.85%	0.88%
51640	Hamburg	$1,837	92.8%	13.97%	0.74%
50232	Reasnor	$1,835	66.1%	7.58%	1.52%
50588	Storm Lake	$1,835	41.3%	6.09%	0.77%
51530	Earling	$1,833	8.6%	2.41%	1.20%
50864	Villisca	$1,832	39.9%	8.99%	2.12%
50321	Des Moines	$1,831	55.4%	9.30%	1.00%
50257	Truro	$1,830	26.7%	2.60%	2.60%
50060	Corydon	$1,829	87.4%	8.33%	0.33%
50240	Saint Charles	$1,827	62.5%	6.77%	0.44%
50131	Johnston	$1,822	126.0%	11.73%	1.24%
50046	Cambridge	$1,822	72.1%	5.54%	2.58%
50210	New Virginia	$1,821	44.6%	8.28%	1.27%
50063	Dallas Center	$1,820	95.7%	8.82%	0.20%
50557	Lehigh	$1,817	405.2%	16.05%	N/A
51652	Sidney	$1,814	40.3%	9.19%	3.24%
50446	Joice	$1,811	1134.5%	25.00%	1.92%
51638	Essex	$1,808	31.8%	6.92%	1.89%
50563	Manson	$1,805	28.5%	4.05%	1.16%
52341	Toddville	$1,799	185.5%	13.48%	0.87%
52727	Bryant	$1,790	15.9%	7.41%	N/A
50579	Rockwell City	$1,788	14.7%	4.65%	1.33%
50249	Stratford	$1,785	200.9%	16.00%	0.67%
50001	Ackworth	$1,785	16.1%	2.19%	N/A
52201	Ainsworth	$1,785	2.0%	2.19%	2.92%
50247	State Center	$1,781	38.3%	6.71%	0.96%
50153	Lynnville	$1,780	35.8%	5.48%	1.37%
50072	Earlham	$1,778	249.6%	4.94%	1.72%
51454	Manilla	$1,776	80.3%	5.26%	N/A
52039	Durango	$1,776	11.7%	1.68%	1.12%
51028	Kingsley	$1,773	93.0%	8.67%	0.58%
51016	Correctionville	$1,772	24.4%	7.23%	2.41%
52215	Chelsea	$1,771	183.7%	3.45%	N/A
50849	Greenfield	$1,761	39.2%	6.01%	0.30%
50149	Lorimor	$1,756	61.8%	7.48%	N/A
51007	Bronson	$1,752	120.3%	10.87%	1.09%
51560	Oakland	$1,751	115.6%	12.50%	0.81%
50161	Maxwell	$1,751	67.0%	4.89%	1.63%
52079	Zwingle	$1,749	N/A	N/A	1.25%
51632	Clarinda	$1,747	52.6%	4.35%	1.37%
50624	Dike	$1,747	95.8%	10.32%	0.40%
51055	Sloan	$1,745	59.9%	11.81%	2.36%
52076	Strawberry Point	$1,745	17.6%	2.53%	0.63%
50468	Rockford	$1,743	144.9%	12.87%	1.75%
52659	Winfield	$1,742	16.1%	4.55%	N/A
51104	Sioux City	$1,735	30.5%	4.36%	1.10%
50851	Lenox	$1,735	16.3%	3.29%	1.32%
52327	Riverside	$1,735	76.0%	2.70%	0.77%
51510	Carter Lake	$1,734	39.2%	4.86%	0.83%
50585	Sioux Rapids	$1,734	N/A	N/A	1.06%
52224	Dysart	$1,733	58.8%	3.87%	2.21%
52336	Springville	$1,732	151.6%	10.96%	0.53%
52624	Denmark	$1,731	19.9%	5.45%	1.82%
50140	Lamoni	$1,731	95.4%	8.73%	1.19%
50472	Saint Ansgar	$1,730	52.1%	8.03%	1.09%
51443	Glidden	$1,728	42.4%	8.63%	0.51%
51577	Walnut	$1,728	406.0%	48.92%	3.60%
50428	Clear Lake	$1,727	65.1%	8.57%	0.79%
51466	Wall Lake	$1,726	14.9%	6.45%	N/A
50025	Audubon	$1,726	43.2%	9.97%	0.66%
52322	Oxford	$1,724	105.0%	5.69%	N/A
50532	Duncombe	$1,723	338.3%	16.42%	0.75%
51566	Red Oak	$1,722	28.3%	5.93%	1.65%
51026	Hornick	$1,722	195.3%	14.49%	1.45%
50014	Ames	$1,721	42.3%	4.91%	0.46%
50632	Garwin	$1,721	181.3%	8.28%	0.59%
50246	Stanhope	$1,721	22.9%	8.99%	N/A
50171	Montezuma	$1,720	28.0%	3.67%	0.73%
52807	Davenport	$1,716	70.6%	5.26%	0.85%
51052	Salix	$1,715	47.9%	3.33%	0.83%
52544	Centerville	$1,714	28.4%	5.80%	1.25%
51039	Moville	$1,714	173.8%	5.91%	0.79%
50601	Ackley	$1,712	98.4%	8.13%	0.96%
51535	Griswold	$1,712	136.7%	15.00%	3.13%
50263	Waukee	$1,711	57.4%	6.95%	1.06%
50007	Alleman	$1,710	70.1%	10.32%	N/A
50450	Lake Mills	$1,710	32.3%	4.95%	0.71%
50469	Rockwell	$1,710	114.6%	11.83%	2.15%
52346	Van Horne	$1,707	261.7%	11.65%	1.94%
50660	New Hartford	$1,706	59.7%	1.76%	1.18%
50006	Alden	$1,706	114.0%	13.38%	0.70%
52753	Le Claire	$1,703	31.5%	4.85%	0.60%
50164	Menlo	$1,703	80.3%	6.85%	N/A
50622	Denver	$1,702	11.6%	2.58%	0.92%
50250	Stuart	$1,702	251.8%	37.04%	1.11%
51639	Farragut	$1,702	63.4%	7.69%	1.92%
50055	Collins	$1,702	178.7%	6.43%	0.71%
52571	Moravia	$1,701	18.9%	1.91%	1.09%
52537	Bloomfield	$1,701	20.5%	3.27%	0.28%
50278	Zearing	$1,701	679.5%	72.34%	2.13%
50558	Livermore	$1,700	110.6%	25.71%	1.43%
52574	Mystic	$1,698	20.4%	6.98%	N/A
51038	Merrill	$1,697	44.3%	4.93%	0.49%
50222	Peru	$1,695	554.6%	14.29%	1.30%
50530	Dayton	$1,693	110.5%	11.93%	0.92%
52754	Letts	$1,692	101.2%	4.91%	0.89%
50621	Conrad	$1,692	271.1%	9.52%	0.60%
50841	Corning	$1,691	73.9%	18.25%	1.14%
50642	Holland	$1,690	140.1%	12.07%	N/A
52328	Robins	$1,690	125.9%	7.05%	0.41%
52073	Sherrill	$1,689	7.7%	1.89%	0.94%
50115	Guthrie Center	$1,688	179.8%	8.56%	1.22%
50273	Winterset	$1,688	187.4%	9.85%	0.92%
50107	Grand Junction	$1,688	66.8%	8.99%	3.37%
50438	Garner	$1,688	428.7%	57.41%	0.78%
50028	Baxter	$1,687	211.6%	15.30%	0.36%
50276	Woodward	$1,685	386.7%	33.75%	3.15%
50036	Boone	$1,685	94.7%	10.03%	1.14%
52535	Birmingham	$1,685	1.5%	0.85%	0.85%
50436	Forest City	$1,685	97.5%	7.18%	0.98%
50226	Polk City	$1,684	70.4%	6.40%	0.65%
51006	Battle Creek	$1,683	44.1%	8.42%	1.05%
50075	Ellsworth	$1,682	4.7%	3.13%	3.13%
50510	Albert City	$1,681	58.4%	10.99%	1.10%
52533	Batavia	$1,681	47.9%	9.22%	2.13%
51347	Lake Park	$1,680	49.7%	11.30%	N/A
50212	Ogden	$1,678	403.5%	28.77%	2.32%
52536	Blakesburg	$1,677	19.8%	2.92%	2.19%
51521	Avoca	$1,677	305.1%	36.27%	1.04%
50109	Granger	$1,677	84.9%	11.28%	1.17%
50265	West Des Moines	$1,676	444.9%	54.00%	0.85%
50248	Story City	$1,674	56.9%	6.88%	1.06%
52756	Long Grove	$1,673	53.8%	7.42%	0.66%
50008	Allerton	$1,673	114.0%	18.57%	N/A
51573	Stanton	$1,672	52.3%	13.33%	N/A
50647	Janesville	$1,670	36.1%	5.31%	0.94%
50162	Melbourne	$1,669	65.3%	7.07%	1.09%
50682	Winthrop	$1,669	37.2%	3.13%	0.52%
50635	Gladbrook	$1,668	58.7%	3.54%	1.01%
50106	Gilman	$1,668	61.9%	7.09%	1.42%
50050	Churdan	$1,668	46.5%	8.33%	3.33%
51461	Schleswig	$1,665	35.3%	5.71%	2.86%
50228	Prairie City	$1,662	76.4%	6.65%	2.42%
51040	Onawa	$1,662	75.4%	3.68%	0.46%
50156	Madrid	$1,661	134.2%	10.73%	0.99%
50058	Coon Rapids	$1,661	107.3%	14.29%	N/A
52068	Peosta	$1,661	14.2%	2.23%	1.17%
51445	Ida Grove	$1,660	33.3%	5.60%	0.43%
50636	Greene	$1,659	14.9%	6.33%	0.63%
50666	Plainfield	$1,658	89.1%	8.97%	2.56%
50135	Kellogg	$1,657	136.5%	9.41%	2.75%
52750	Goose Lake	$1,655	51.1%	2.38%	N/A
50482	Ventura	$1,654	105.7%	13.17%	0.98%
52361	Williamsburg	$1,653	11.4%	2.15%	0.92%
51553	Minden	$1,653	70.2%	8.67%	0.58%
50213	Osceola	$1,651	80.6%	10.23%	1.36%
50258	Union	$1,650	39.3%	4.40%	2.20%
50846	Fontanelle	$1,649	265.5%	21.36%	N/A
50680	Wellsburg	$1,649	74.7%	12.37%	3.09%
52722	Bettendorf	$1,649	54.4%	4.54%	0.86%
51601	Shenandoah	$1,648	57.2%	10.03%	1.56%
51241	Larchwood	$1,648	622.0%	60.54%	0.54%
52726	Blue Grass	$1,648	81.2%	5.57%	0.09%
50626	Dunkerton	$1,648	13.6%	3.08%	0.44%
52332	Shellsburg	$1,647	281.3%	10.96%	0.66%
50139	Lacona	$1,647	93.9%	4.14%	1.78%
50062	Melcher Dallas	$1,647	87.0%	14.29%	1.79%
50169	Mitchellville	$1,647	443.5%	28.89%	1.33%
50073	Elkhart	$1,646	41.5%	4.55%	1.05%
51401	Carroll	$1,646	38.5%	5.32%	0.65%
52731	Charlotte	$1,645	74.1%	5.68%	N/A
52590	Seymour	$1,645	N/A	N/A	2.90%
50129	Jefferson	$1,644	98.3%	9.28%	2.04%
52745	Dixon	$1,643	68.0%	4.81%	1.92%
52403	Cedar Rapids	$1,643	273.9%	12.44%	0.96%
50069	De Soto	$1,643	39.0%	4.40%	1.10%
50542	Goldfield	$1,642	9.8%	3.57%	1.79%
51050	Remsen	$1,642	27.4%	6.29%	0.70%
50168	Mingo	$1,641	151.1%	12.50%	2.21%
50543	Gowrie	$1,638	89.4%	5.37%	0.67%
50665	Parkersburg	$1,638	24.1%	3.68%	1.05%
52329	Rowley	$1,637	21.7%	3.26%	2.17%
50112	Grinnell	$1,636	93.0%	5.37%	0.72%
51346	Hartley	$1,635	223.4%	28.46%	1.63%
51004	Anthon	$1,634	53.8%	7.94%	N/A
52654	Wayland	$1,634	37.2%	2.24%	N/A
51005	Aurelia	$1,633	183.0%	30.56%	0.93%
50676	Tripoli	$1,633	49.3%	7.63%	1.53%
50523	Callender	$1,633	29.1%	7.25%	1.45%
50674	Sumner	$1,632	81.2%	4.78%	0.74%
51338	Everly	$1,632	3.4%	1.23%	3.70%
50449	Klemme	$1,632	42.1%	4.29%	1.43%
52563	Hedrick	$1,631	18.4%	3.57%	3.57%
50154	Mc Callsburg	$1,631	62.3%	7.04%	2.82%
50056	Colo	$1,629	19.2%	3.88%	0.97%
50629	Fairbank	$1,628	128.3%	15.56%	N/A
52203	Amana	$1,625	56.3%	5.85%	0.29%
50625	Dumont	$1,623	102.9%	3.45%	3.45%
51450	Lake View	$1,623	88.1%	6.46%	0.76%
52352	Walker	$1,622	149.7%	13.97%	1.31%
52314	Mount Vernon	$1,621	88.3%	6.83%	0.79%
52132	Calmar	$1,621	66.6%	17.12%	1.37%
50174	Murray	$1,620	37.3%	8.80%	1.60%
50076	Exira	$1,620	236.3%	16.67%	0.67%
50230	Radcliffe	$1,620	85.2%	8.89%	1.48%
52161	Ossian	$1,619	17.6%	5.61%	N/A
52565	Keosauqua	$1,618	11.4%	2.44%	1.22%
52229	Garrison	$1,617	18.4%	4.84%	1.61%
50252	Swan	$1,617	23.3%	11.11%	N/A
50833	Bedford	$1,617	47.8%	3.73%	2.99%
52246	Iowa City	$1,616	34.5%	3.69%	1.48%
52351	Walford	$1,616	113.5%	7.22%	0.72%
50054	Colfax	$1,616	151.6%	14.57%	0.90%
50141	Laurel	$1,616	103.7%	3.33%	N/A
52248	Keota	$1,616	30.4%	3.42%	1.71%
50167	Minburn	$1,615	47.4%	6.14%	0.88%
52658	Wever	$1,614	73.9%	7.00%	0.50%
50675	Traer	$1,613	52.4%	3.88%	0.65%
51331	Arnolds Park	$1,613	134.4%	4.94%	0.21%
50421	Belmond	$1,611	130.6%	6.42%	0.68%
50655	Maynard	$1,610	2.7%	1.23%	1.23%
50233	Redfield	$1,609	70.5%	9.95%	1.49%
52227	Ely	$1,609	51.8%	5.56%	0.84%
52760	Moscow	$1,608	2.7%	1.02%	2.04%
50125	Indianola	$1,607	83.0%	10.59%	0.53%
50170	Monroe	$1,607	27.7%	4.81%	0.48%
52324	Palo	$1,606	329.9%	10.44%	0.58%
51106	Sioux City	$1,605	22.1%	2.66%	0.55%
50327	Pleasant Hill	$1,605	315.6%	28.39%	0.99%
52556	Fairfield	$1,605	24.4%	2.84%	1.18%
52585	Richland	$1,605	68.9%	6.12%	1.02%
52003	Dubuque	$1,604	31.7%	3.07%	0.63%
52206	Atkins	$1,604	151.5%	8.83%	0.44%
50219	Pella	$1,602	76.8%	10.48%	0.17%
51556	Modale	$1,602	90.2%	9.72%	N/A
50569	Otho	$1,602	34.4%	9.70%	N/A
50461	Osage	$1,601	23.4%	5.08%	1.49%
50475	Sheffield	$1,600	43.5%	6.81%	1.05%
52159	Monona	$1,600	74.6%	5.05%	1.01%
50207	New Sharon	$1,599	57.7%	7.53%	5.02%
51646	New Market	$1,599	598.0%	64.77%	1.14%
52213	Center Point	$1,599	35.6%	6.28%	0.38%
51245	Primghar	$1,599	31.5%	7.69%	2.20%
52561	Fremont	$1,599	18.3%	3.76%	N/A
52218	Coggon	$1,598	85.2%	10.41%	1.36%
52241	Coralville	$1,597	42.2%	4.08%	0.86%
51455	Manning	$1,597	41.1%	6.90%	0.57%
52554	Eldon	$1,597	35.7%	3.39%	1.13%
50458	Nora Springs	$1,597	58.3%	7.64%	1.82%
50314	Des Moines	$1,597	72.0%	10.57%	1.50%
52144	Fort Atkinson	$1,597	6.7%	1.32%	N/A
52033	Cascade	$1,596	107.3%	5.70%	0.95%
52154	Lawler	$1,595	23.2%	6.67%	N/A
52330	Ryan	$1,594	15.7%	10.00%	1.11%
51248	Sanborn	$1,594	15.1%	3.33%	N/A
50211	Norwalk	$1,594	189.0%	18.56%	0.91%
50643	Hudson	$1,593	25.9%	4.91%	0.98%
50459	Northwood	$1,593	152.7%	14.06%	1.56%
50448	Kensett	$1,592	214.9%	11.76%	2.94%
52640	Morning Sun	$1,592	N/A	N/A	0.88%
50501	Fort Dodge	$1,591	42.6%	4.91%	0.81%
50005	Albion	$1,591	55.7%	3.13%	1.04%
52768	Princeton	$1,590	14.8%	2.30%	N/A
52356	Wellman	$1,588	31.2%	2.29%	0.76%
52326	Quasqueton	$1,587	14.0%	5.15%	2.06%
50536	Emmetsburg	$1,587	22.2%	4.21%	1.33%
50144	Leon	$1,586	31.8%	7.14%	0.34%
50021	Ankeny	$1,586	55.4%	6.42%	0.77%
52766	Nichols	$1,586	4.1%	2.80%	1.87%
52540	Brighton	$1,585	42.2%	4.35%	1.74%
50669	Reinbeck	$1,585	90.2%	3.57%	1.30%
50220	Perry	$1,585	35.4%	4.25%	1.64%
51442	Denison	$1,584	67.6%	7.53%	0.96%
50667	Raymond	$1,584	13.4%	1.66%	N/A
51501	Council Bluffs	$1,582	147.9%	15.96%	1.68%
51012	Cherokee	$1,582	30.2%	3.77%	1.12%
50511	Algona	$1,581	76.7%	7.97%	0.12%
51301	Spencer	$1,581	26.7%	4.88%	0.79%
52069	Preston	$1,580	183.9%	5.43%	1.63%
50658	Nashua	$1,579	40.8%	5.13%	0.85%
50238	Russell	$1,579	24.2%	5.32%	1.06%
50124	Huxley	$1,578	68.8%	6.06%	0.83%
50602	Allison	$1,576	42.2%	6.40%	0.80%
50130	Jewell	$1,576	37.5%	5.58%	0.80%
52165	Ridgeway	$1,574	100.0%	15.73%	N/A
50677	Waverly	$1,574	24.2%	3.51%	1.04%
50595	Webster City	$1,574	91.1%	8.89%	0.59%
50251	Sully	$1,574	42.6%	6.52%	N/A
50616	Charles City	$1,574	37.2%	4.35%	0.57%
50244	Slater	$1,572	90.8%	9.35%	1.25%
51003	Alton	$1,571	86.8%	7.18%	0.55%
52751	Grand Mound	$1,571	59.7%	4.32%	3.60%
50434	Fertile	$1,570	2.7%	1.25%	1.25%
50668	Readlyn	$1,570	23.6%	3.33%	0.67%
50236	Roland	$1,569	67.9%	5.07%	1.81%
52626	Farmington	$1,569	16.9%	2.13%	N/A
50020	Anita	$1,569	75.6%	9.14%	0.57%
52769	Stockton	$1,568	114.6%	8.22%	N/A
52305	Martelle	$1,567	132.9%	19.00%	3.00%
52037	Delmar	$1,567	15.4%	4.58%	0.76%
50533	Eagle Grove	$1,567	58.5%	9.39%	1.99%
50309	Des Moines	$1,566	52.7%	8.25%	1.03%
52572	Moulton	$1,566	14.3%	4.23%	4.23%
50604	Aplington	$1,566	57.1%	6.45%	1.61%
51334	Estherville	$1,566	19.6%	4.33%	0.87%
50548	Humboldt	$1,565	28.0%	4.31%	0.65%
50597	West Bend	$1,565	N/A	N/A	1.04%
51201	Sheldon	$1,565	28.4%	4.34%	0.43%
50150	Lovilia	$1,565	51.9%	3.48%	0.87%
52531	Albia	$1,564	54.6%	5.82%	0.73%
52530	Agency	$1,562	48.7%	6.80%	0.97%
50105	Gilbert	$1,562	165.3%	10.03%	1.73%
52031	Bellevue	$1,559	3.0%	2.67%	0.30%
52318	Norway	$1,559	185.6%	11.54%	N/A
51001	Akron	$1,558	44.4%	2.94%	0.37%
50466	Riceville	$1,558	52.4%	9.45%	1.57%
52553	Eddyville	$1,558	20.1%	5.26%	1.44%
50035	Bondurant	$1,557	48.2%	6.13%	1.11%
51537	Harlan	$1,557	29.4%	3.16%	0.44%
52748	Eldridge	$1,556	46.3%	3.55%	0.66%
50525	Clarion	$1,556	55.9%	5.65%	0.47%
50583	Sac City	$1,555	43.0%	3.07%	0.68%
52749	Fruitland	$1,553	26.1%	4.87%	0.44%
50456	Manly	$1,552	142.2%	6.61%	0.83%
50111	Grimes	$1,552	145.7%	13.32%	1.38%
52064	Miles	$1,551	60.2%	5.77%	0.96%
51023	Hawarden	$1,551	45.0%	7.92%	0.42%
52577	Oskaloosa	$1,551	39.6%	3.25%	0.50%
50435	Floyd	$1,550	142.3%	24.73%	N/A
52623	Danville	$1,550	86.8%	7.99%	0.35%
50424	Buffalo Center	$1,549	83.1%	13.25%	N/A
50662	Oelwein	$1,548	46.5%	2.68%	1.55%
52205	Anamosa	$1,547	47.5%	4.99%	0.85%
52567	Libertyville	$1,547	27.9%	5.49%	3.30%
50651	La Porte City	$1,547	50.0%	3.68%	1.02%
52625	Donnellson	$1,546	28.8%	3.68%	0.92%
51025	Holstein	$1,544	11.2%	3.09%	0.52%
50464	Plymouth	$1,544	189.1%	10.75%	1.08%
50638	Grundy Center	$1,544	32.9%	6.10%	0.20%
50401	Mason City	$1,542	65.8%	8.86%	1.26%
52649	Salem	$1,541	21.7%	6.30%	N/A
52621	Crawfordsville	$1,541	0.9%	1.61%	4.84%
50166	Milo	$1,540	31.6%	5.93%	0.85%
50023	Ankeny	$1,540	45.7%	5.81%	0.93%
50049	Chariton	$1,538	173.6%	27.28%	0.48%
50613	Cedar Falls	$1,537	45.8%	5.00%	0.79%
52552	Drakesville	$1,536	337.3%	8.43%	3.61%
51041	Orange City	$1,536	18.5%	3.47%	0.51%
52551	Douds	$1,535	76.3%	2.63%	N/A
52746	Donahue	$1,534	52.4%	6.32%	N/A
51031	Le Mars	$1,533	38.2%	6.20%	0.66%
52157	Mc Gregor	$1,533	3.8%	2.92%	0.42%
51342	Graettinger	$1,532	70.3%	11.11%	N/A
50044	Bussey	$1,531	26.6%	4.76%	0.95%
50644	Independence	$1,530	27.0%	4.17%	1.02%
52656	West Point	$1,529	3.6%	0.95%	N/A
50619	Clarksville	$1,528	47.6%	6.18%	N/A
52650	Sperry	$1,528	84.1%	5.68%	N/A
52240	Iowa City	$1,528	24.9%	3.10%	0.81%
52776	West Liberty	$1,527	30.1%	2.67%	1.78%
52216	Clarence	$1,527	174.0%	5.84%	2.19%
51246	Rock Rapids	$1,526	31.8%	6.43%	0.27%
50516	Badger	$1,526	46.0%	8.00%	1.33%
52214	Central City	$1,525	40.9%	5.16%	0.90%
50554	Laurens	$1,524	82.3%	1.82%	N/A
52060	Maquoketa	$1,524	6.8%	1.39%	1.02%
52317	North Liberty	$1,524	64.7%	4.75%	0.88%
52358	West Branch	$1,524	48.3%	5.76%	0.80%
52632	Keokuk	$1,523	19.0%	1.58%	1.52%
50648	Jesup	$1,522	21.3%	3.96%	0.79%
52253	Lisbon	$1,520	58.5%	5.33%	1.14%
52501	Ottumwa	$1,519	21.4%	3.52%	1.16%
50143	Leighton	$1,519	17.5%	6.15%	N/A
50138	Knoxville	$1,519	101.6%	10.37%	0.69%
52209	Blairstown	$1,518	10.0%	2.22%	1.48%
50225	Pleasantville	$1,518	99.5%	7.86%	1.23%
50480	Titonka	$1,517	24.5%	4.84%	1.61%
52320	Olin	$1,517	48.0%	6.36%	N/A
50157	Malcom	$1,517	50.0%	6.25%	3.13%
52755	Lone Tree	$1,516	21.8%	3.50%	1.05%
52620	Bonaparte	$1,515	3.8%	3.16%	2.11%
50126	Iowa Falls	$1,514	53.2%	5.50%	1.07%
52738	Columbus Junction	$1,513	20.7%	3.16%	2.11%
52301	Marengo	$1,512	38.3%	5.40%	1.30%
50022	Atlantic	$1,511	194.3%	26.47%	0.63%
50441	Hampton	$1,510	42.0%	5.75%	0.47%
52202	Alburnett	$1,510	176.6%	10.29%	0.57%
52639	Montrose	$1,509	8.3%	2.61%	2.28%
52249	Keystone	$1,508	362.9%	5.26%	1.32%
52155	Lime Springs	$1,508	81.6%	8.96%	1.49%
51109	Sioux City	$1,508	33.3%	5.35%	0.46%
50201	Nevada	$1,507	31.6%	3.88%	0.33%
52316	North English	$1,506	46.8%	4.29%	N/A
52101	Decorah	$1,505	67.6%	7.35%	0.70%
52245	Iowa City	$1,504	27.3%	2.33%	0.83%
52637	Mediapolis	$1,503	66.7%	3.53%	0.39%
50009	Altoona	$1,503	465.8%	43.14%	1.00%
52757	Low Moor	$1,502	15.3%	2.82%	1.41%
51046	Paullina	$1,502	24.2%	8.79%	1.10%
50047	Carlisle	$1,501	98.9%	9.55%	0.91%
50268	What Cheer	$1,501	24.8%	4.41%	N/A
50010	Ames	$1,500	58.1%	5.11%	0.57%
52211	Brooklyn	$1,499	25.2%	2.69%	0.62%
50158	Marshalltown	$1,498	82.8%	4.88%	1.07%
50322	Urbandale	$1,497	74.9%	10.29%	0.64%
52349	Vinton	$1,496	64.7%	5.83%	0.57%
51249	Sibley	$1,496	15.6%	3.18%	2.02%
52228	Fairfax	$1,495	179.8%	11.41%	0.51%
52223	Delhi	$1,495	21.9%	4.35%	0.31%
52208	Belle Plaine	$1,492	54.0%	4.98%	1.33%
50641	Hazleton	$1,490	36.4%	6.58%	0.66%
50173	Montour	$1,490	144.3%	6.56%	1.64%
52041	Earlville	$1,490	32.9%	3.92%	1.47%
52627	Fort Madison	$1,489	22.6%	2.97%	1.10%
52141	Elgin	$1,488	N/A	N/A	0.66%
50670	Shell Rock	$1,487	14.5%	4.42%	1.02%
51239	Hull	$1,485	11.9%	1.04%	N/A
51250	Sioux Center	$1,485	20.1%	3.54%	0.13%
52043	Elkader	$1,485	17.9%	2.77%	0.31%
52641	Mount Pleasant	$1,485	23.3%	2.53%	0.86%
50163	Melcher Dallas	$1,484	28.0%	4.20%	N/A
50311	Des Moines	$1,484	96.8%	13.45%	0.85%
52742	De Witt	$1,483	51.6%	3.99%	0.66%
52739	Conesville	$1,483	52.5%	4.62%	N/A
52339	Tama	$1,483	77.5%	4.87%	2.09%
52761	Muscatine	$1,482	29.4%	2.47%	0.55%
52772	Tipton	$1,482	133.6%	8.46%	0.90%
51103	Sioux City	$1,480	27.0%	2.88%	1.01%
50208	Newton	$1,478	164.4%	11.62%	1.00%
52142	Fayette	$1,478	0.7%	0.85%	0.85%
52777	Wheatland	$1,476	65.2%	7.01%	N/A
52601	Burlington	$1,475	99.7%	8.97%	1.22%
51449	Lake City	$1,475	71.5%	6.38%	0.35%
52803	Davenport	$1,469	56.5%	4.92%	1.28%
50256	Tracy	$1,469	8.2%	1.19%	N/A
52057	Manchester	$1,469	72.9%	5.81%	0.82%
52345	Urbana	$1,468	36.9%	5.84%	1.03%
52247	Kalona	$1,464	27.9%	2.49%	0.89%
52237	Hopkinton	$1,463	15.3%	3.90%	1.95%
50423	Britt	$1,462	100.1%	15.94%	0.63%
52315	Newhall	$1,457	291.5%	9.03%	N/A
50123	Humeston	$1,457	25.7%	3.92%	N/A
50324	Windsor Heights	$1,455	158.1%	20.06%	0.80%
51240	Inwood	$1,455	163.6%	6.61%	0.83%
50630	Fredericksburg	$1,454	152.8%	4.38%	1.46%
52306	Mechanicsville	$1,454	256.7%	9.28%	1.69%
50574	Pocahontas	$1,450	44.0%	6.31%	0.49%
52046	Farley	$1,450	5.3%	1.42%	1.06%
52136	Cresco	$1,449	83.0%	5.81%	1.49%
52591	Sigourney	$1,447	40.8%	3.05%	1.78%
52773	Walcott	$1,447	88.8%	6.67%	1.11%
52070	Sabula	$1,447	47.5%	4.67%	N/A
52353	Washington	$1,447	18.6%	2.41%	0.39%
52045	Epworth	$1,446	21.8%	2.76%	0.28%
51358	Ruthven	$1,444	70.5%	11.11%	1.96%
52162	Postville	$1,443	15.1%	3.07%	0.77%
52645	New London	$1,440	64.9%	4.74%	0.62%
52747	Durant	$1,440	290.4%	27.71%	0.72%
50142	Le Grand	$1,439	136.1%	6.21%	1.86%
52054	La Motte	$1,438	61.8%	9.30%	0.78%
52342	Toledo	$1,433	107.6%	5.62%	0.98%
52638	Middletown	$1,432	88.6%	9.26%	1.85%
50529	Dakota City	$1,432	17.2%	4.51%	N/A
50701	Waterloo	$1,430	29.1%	4.97%	0.79%
52052	Guttenberg	$1,430	13.7%	3.71%	0.37%
52175	West Union	$1,428	2.3%	1.34%	0.80%
51247	Rock Valley	$1,427	22.3%	5.76%	0.48%
52732	Clinton	$1,426	77.3%	6.30%	0.90%
50320	Des Moines	$1,425	496.8%	48.48%	1.18%
52254	Lost Nation	$1,422	13.4%	2.00%	1.00%
51027	Ireton	$1,420	35.9%	5.06%	1.27%
52653	Wapello	$1,419	7.6%	1.64%	0.55%
52323	Oxford Junction	$1,416	18.9%	3.37%	N/A
52302	Marion	$1,415	141.4%	9.60%	1.02%
52778	Wilton	$1,415	65.6%	5.30%	0.16%
52720	Atalissa	$1,413	31.8%	5.31%	2.65%
52002	Dubuque	$1,413	16.6%	2.68%	0.98%
50659	New Hampton	$1,412	21.1%	3.72%	1.09%
52310	Monticello	$1,405	128.8%	6.14%	0.33%
52049	Garnavillo	$1,404	8.3%	1.16%	1.74%
52721	Bennett	$1,403	73.0%	4.49%	2.25%
52255	Lowden	$1,403	91.3%	8.19%	0.58%
52042	Edgewood	$1,402	15.9%	5.26%	0.75%
52337	Stanwood	$1,399	91.0%	7.27%	N/A
52340	Tiffin	$1,399	24.5%	3.08%	0.92%
52135	Clermont	$1,397	1.7%	0.79%	1.57%
52151	Lansing	$1,397	45.4%	3.33%	1.11%
52730	Camanche	$1,395	32.5%	3.72%	0.89%
50316	Des Moines	$1,392	101.4%	7.98%	1.82%
52053	Holy Cross	$1,382	12.5%	2.70%	1.80%
50703	Waterloo	$1,380	65.5%	8.19%	1.04%
52160	New Albin	$1,377	N/A	N/A	2.70%
50313	Des Moines	$1,376	60.6%	8.20%	1.12%
52040	Dyersville	$1,373	13.6%	2.39%	0.57%
52001	Dubuque	$1,373	18.9%	2.41%	1.09%
52729	Calamus	$1,372	153.0%	3.06%	2.04%
52402	Cedar Rapids	$1,372	163.8%	9.89%	1.04%
51105	Sioux City	$1,367	27.8%	4.25%	1.18%
52655	West Burlington	$1,362	78.9%	6.38%	0.75%
50160	Martensdale	$1,361	44.9%	5.00%	N/A
50310	Des Moines	$1,353	63.6%	7.78%	1.16%
50118	Hartford	$1,352	19.5%	1.96%	N/A
52065	New Vienna	$1,352	8.3%	2.78%	N/A
52362	Wyoming	$1,350	2.9%	0.75%	N/A
52802	Davenport	$1,345	69.3%	6.86%	1.58%
52728	Buffalo	$1,344	48.9%	7.58%	1.01%
52569	Melrose	$1,343	101.4%	4.03%	0.67%
52233	Hiawatha	$1,341	87.4%	7.08%	0.73%
52405	Cedar Rapids	$1,341	180.9%	10.47%	1.23%
52032	Bernard	$1,340	23.5%	1.82%	0.61%
50634	Gilbertville	$1,335	19.5%	2.27%	N/A
52804	Davenport	$1,333	72.7%	5.70%	0.97%
50317	Des Moines	$1,333	63.6%	9.38%	1.16%
52404	Cedar Rapids	$1,324	196.6%	12.86%	0.97%
52158	Marquette	$1,319	N/A	N/A	N/A
52806	Davenport	$1,319	71.4%	6.25%	0.98%
50315	Des Moines	$1,316	162.7%	21.52%	1.35%
52146	Harpers Ferry	$1,315	30.6%	2.30%	0.33%
50707	Evansdale	$1,314	24.9%	3.23%	0.38%
52235	Hills	$1,304	217.4%	4.27%	1.22%
50702	Waterloo	$1,291	32.3%	4.46%	1.35%
52347	Victor	$1,291	6.2%	1.61%	N/A
52172	Waukon	$1,248	16.4%	3.00%	0.84%
52401	Cedar Rapids	$1,221	183.4%	18.69%	N/A

Iowa Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Iowa compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Iowa

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Iowa ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

49.1

44th of 50 states by mean score · national mean 69.3

Counties joined

100

Distinct county FIPS on Iowa FIO ZIPs

Most common top hazard

Tornado

49 of 100 counties

Highest FEMA NRI counties in Iowa
County	Risk score	Rating	Top hazard
Polk	92.0	Relatively Moderate	Tornado
Johnson	87.4	Relatively Moderate	Tornado
Linn	86.7	Relatively Moderate	Tornado

Counties with elevated FEMA hazard ratings in Iowa
Hazard	Elevated counties	Share of joined
Hail	9	9%
Winter weather	9	9%
Tornado	8	8%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Iowa: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,629/yr here).

Maryland $1,627/yr Illinois $1,631/yr New Mexico $1,577/yr Kentucky $1,557/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (1.20% here).

Ohio 1.19% Rhode Island 1.16% Montana 1.26% Indiana 1.27%

Frequently Asked Questions

What is the average homeowners insurance cost in Iowa? ▼

Averaged across the 580 Iowa ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,629 ($1,534 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 8% below the national average of $1,776.

How have insurance premiums changed in Iowa? ▼

Iowa homeowners insurance premiums changed by +12.2% between 2018 and 2022. The average loss ratio is 87.6%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Iowa? ▼

The most expensive ZIP code for homeowners insurance in Iowa is 51355, with an average premium of $2,506/yr. The most affordable is 52401 at $1,221/yr.

What is the nonrenewal rate for Iowa homeowners insurance? ▼

Averaged across the Iowa ZIP codes that report one (86% of the state's ZIP codes), the nonrenewal rate is 1.20%. This rate has changed by -23.3% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 50316 has the highest nonrenewal rate in the state at 1.82%.

What is a loss ratio and what does Iowa's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Iowa's average loss ratio is 87.6%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Iowa? ▼

The average claim frequency in Iowa is 8.47%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $16,590. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Iowa? ▼

Across 100 FEMA National Risk Index counties that join to Iowa ZIP codes in the FIO file, the mean county risk score is 49.1 (29% below the 50-state mean of 69.3). The most common county-level top hazard is Tornado (49 of 100 counties). Elevated (Relatively High or Very High) county ratings concentrate in Hail (9), Winter weather (9), Tornado (8). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Iowa in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Iowa ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.