Iowa
Home insurance overview — 580 ZIP codes, 536 cities
Avg Premium (2025 Est.)
$1,889
+16.0% from 2022
Nonrenewal Rate
1.20%
5yr Storm Damage
$823.0M
Iowa Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Linden | 1 | $2,630 | 80 | High |
| Royal | 1 | $2,326 | 80 | High |
| Everly | 1 | $1,892 | 77 | High |
| Truro | 1 | $2,182 | 77 | High |
| Emerson | 1 | $2,684 | 77 | High |
| Reasnor | 1 | $2,201 | 76 | High |
| Lucas | 1 | $2,248 | 76 | High |
| Correctionville | 1 | $2,127 | 76 | High |
| Grand Junction | 1 | $1,918 | 75 | High |
| Dumont | 1 | $1,861 | 74 | High |
| Treynor | 1 | $2,618 | 73 | High |
| Casey | 1 | $2,233 | 72 | High |
| Sloan | 1 | $2,001 | 72 | High |
| Bonaparte | 1 | $1,755 | 71 | High |
| Schleswig | 1 | $1,979 | 70 | High |
| Moulton | 1 | $1,823 | 70 | High |
| Mount Ayr | 1 | $2,167 | 70 | High |
| Blakesburg | 1 | $1,947 | 70 | High |
| Afton | 1 | $2,374 | 70 | High |
| Newell | 1 | $2,406 | 70 | High |
| Zearing | 1 | $1,986 | 69 | High |
| Cambridge | 1 | $2,147 | 69 | High |
| Kellogg | 1 | $1,912 | 69 | High |
| Sidney | 1 | $2,107 | 69 | High |
| Kanawha | 1 | $2,274 | 69 | High |
| Churdan | 1 | $1,968 | 69 | High |
| Rockwell | 1 | $2,002 | 68 | High |
| Villisca | 1 | $2,164 | 68 | High |
| Joice | 1 | $2,174 | 68 | High |
| Prairie City | 1 | $1,932 | 68 | High |
| Eldora | 1 | $2,284 | 68 | High |
| State Center | 1 | $2,128 | 68 | High |
| Scranton | 1 | $2,264 | 67 | High |
| Mingo | 1 | $1,936 | 67 | High |
| Badger | 1 | $1,747 | 67 | High |
| Hubbard | 1 | $2,553 | 67 | High |
| McClelland | 1 | $2,599 | 67 | High |
| Wellsburg | 1 | $1,986 | 67 | High |
| Silver City | 1 | $2,386 | 67 | High |
| Le Grand | 1 | $1,741 | 66 | High |
| Whiting | 1 | $2,402 | 66 | High |
| Lynnville | 1 | $2,072 | 66 | High |
| New Virginia | 1 | $2,087 | 66 | High |
| Orient | 1 | $2,384 | 66 | High |
| Farragut | 1 | $1,892 | 66 | High |
| Maxwell | 1 | $2,056 | 66 | High |
| Earlham | 1 | $2,033 | 66 | High |
| McCallsburg | 1 | $1,926 | 65 | High |
| Roseville | 1 | $2,039 | 65 | High |
| Tabor | 1 | $2,444 | 65 | High |
| Murray | 1 | $1,885 | 65 | High |
| Keosauqua | 1 | $1,887 | 65 | High |
| Creston | 1 | $2,229 | 65 | High |
| Missouri Valley | 1 | $2,404 | 65 | High |
| Goldfield | 1 | $1,908 | 65 | High |
| Bentley | 1 | $2,189 | 65 | High |
| Fontanelle | 1 | $1,952 | 64 | High |
| Hamburg | 1 | $2,146 | 64 | High |
| Ellsworth | 1 | $1,929 | 64 | High |
| Sanborn | 1 | $1,822 | 64 | High |
| Walnut | 1 | $2,019 | 64 | High |
| Crescent | 2 | $2,548 | 64 | High |
| Lacona | 1 | $1,875 | 64 | High |
| Jefferson | 1 | $1,944 | 64 | High |
| Melcher-Dallas | 2 | $1,798 | 64 | High |
| Griswold | 1 | $2,006 | 64 | High |
| Russell | 1 | $1,844 | 64 | High |
| Rhodes | 1 | $2,133 | 63 | High |
| Logan | 1 | $2,414 | 63 | High |
| Mondamin | 1 | $2,262 | 63 | High |
| Dunlap | 1 | $2,220 | 63 | High |
| Raymond | 1 | $1,860 | 63 | High |
| Ackley | 1 | $2,039 | 63 | High |
| East Peru | 1 | $2,017 | 63 | High |
| Plainfield | 1 | $1,968 | 63 | High |
| Rockwell City | 1 | $2,063 | 63 | High |
| Lehigh | 1 | $2,107 | 63 | High |
| Callender | 1 | $1,878 | 63 | High |
| Maynard | 1 | $1,845 | 63 | High |
| Preston | 1 | $1,873 | 62 | High |
| Underwood | 1 | $2,342 | 62 | High |
| Bevington | 1 | $2,256 | 62 | High |
| Lawler | 1 | $1,826 | 62 | High |
| Gilman | 1 | $1,918 | 62 | High |
| Ackworth | 1 | $2,079 | 62 | High |
| Kelley | 1 | $2,209 | 61 | High |
| Malcom | 1 | $1,690 | 61 | High |
| Eldon | 1 | $1,856 | 61 | High |
| Strawberry Point | 1 | $2,162 | 61 | High |
| Bolan | 1 | $1,864 | 61 | High |
| Manson | 1 | $2,097 | 61 | High |
| Persia | 1 | $2,287 | 61 | High |
| Ventura | 1 | $1,907 | 61 | High |
| Allerton | 1 | $1,925 | 61 | High |
| Runnells | 1 | $2,221 | 61 | High |
| Alleman | 1 | $2,026 | 61 | High |
| Corning | 1 | $1,889 | 60 | Elevated |
| Clive | 1 | $2,222 | 60 | Elevated |
| Union | 1 | $1,886 | 60 | Elevated |
| Albion | 1 | $1,835 | 60 | Elevated |
| Stuart | 1 | $1,963 | 60 | Elevated |
| Monona | 1 | $1,928 | 60 | Elevated |
| Albert City | 1 | $1,944 | 60 | Elevated |
| Monroe | 2 | $2,136 | 60 | Elevated |
| Johnston | 1 | $2,110 | 60 | Elevated |
| Ossian | 1 | $1,888 | 60 | Elevated |
| Cherokee | 1 | $1,887 | 60 | Elevated |
| Sibley | 1 | $1,746 | 60 | Elevated |
| Fort Atkinson | 1 | $1,773 | 60 | Elevated |
| Garnavillo | 1 | $1,633 | 60 | Elevated |
| Slater | 1 | $1,857 | 60 | Elevated |
| Hartley | 1 | $1,921 | 60 | Elevated |
| Colo | 1 | $1,868 | 60 | Elevated |
| Lawton | 1 | $2,304 | 60 | Elevated |
| Winterset | 1 | $1,952 | 59 | Elevated |
| Dayton | 1 | $1,933 | 59 | Elevated |
| Red Oak | 1 | $1,983 | 59 | Elevated |
| Zwingle | 1 | $2,065 | 59 | Elevated |
| Holland | 1 | $2,049 | 59 | Elevated |
| Gilbert | 1 | $1,832 | 59 | Elevated |
| Birmingham | 1 | $2,019 | 59 | Elevated |
| Moscow | 1 | $1,915 | 59 | Elevated |
| Fertile | 1 | $1,820 | 59 | Elevated |
| Calmar | 1 | $1,893 | 59 | Elevated |
| Mapleton | 1 | $2,150 | 59 | Elevated |
| Woodbine | 1 | $2,165 | 59 | Elevated |
| Melbourne | 1 | $1,938 | 59 | Elevated |
| Granger | 1 | $1,923 | 59 | Elevated |
| Pacific Junction | 1 | $2,884 | 59 | Elevated |
| Malvern | 1 | $2,365 | 59 | Elevated |
| Seymour | 1 | $2,042 | 59 | Elevated |
| Salix | 1 | $1,989 | 59 | Elevated |
| Osage | 1 | $1,877 | 59 | Elevated |
| Bedford | 1 | $1,864 | 59 | Elevated |
| Modale | 1 | $1,906 | 59 | Elevated |
| Eddyville | 1 | $1,776 | 59 | Elevated |
| Mystic | 1 | $1,977 | 59 | Elevated |
| Mitchellville | 1 | $1,900 | 59 | Elevated |
| Story City | 1 | $1,934 | 58 | Elevated |
| Des Moines | 11 | $1,757 | 58 | Elevated |
| Moville | 1 | $2,024 | 58 | Elevated |
| Aplington | 1 | $1,802 | 58 | Elevated |
| Agency | 1 | $1,837 | 58 | Elevated |
| Sioux Rapids | 1 | $2,064 | 58 | Elevated |
| Grimes | 1 | $1,816 | 58 | Elevated |
| Drakesville | 1 | $1,749 | 58 | Elevated |
| Laurel | 1 | $1,774 | 58 | Elevated |
| Alta | 1 | $2,198 | 58 | Elevated |
| Okoboji | 1 | $2,824 | 58 | Elevated |
| Sun Valley Lake | 1 | $2,494 | 58 | Elevated |
| Oelwein | 1 | $1,848 | 58 | Elevated |
| Duncombe | 1 | $2,014 | 58 | Elevated |
| Greenfield | 1 | $2,062 | 58 | Elevated |
| Earling | 1 | $2,203 | 58 | Elevated |
| Pleasantville | 1 | $1,721 | 58 | Elevated |
| Nora Springs | 1 | $1,846 | 58 | Elevated |
| Riceville | 1 | $1,783 | 58 | Elevated |
| Roland | 1 | $1,792 | 58 | Elevated |
| Centerville | 1 | $2,099 | 58 | Elevated |
| Glenwood | 1 | $2,307 | 57 | Elevated |
| Exira | 1 | $1,950 | 57 | Elevated |
| Colfax | 1 | $1,887 | 57 | Elevated |
| Floyd | 1 | $1,780 | 57 | Elevated |
| Guthrie Center | 1 | $1,991 | 57 | Elevated |
| De Soto | 1 | $1,915 | 57 | Elevated |
| Lenox | 1 | $2,013 | 57 | Elevated |
| Pleasant Hill | 1 | $1,871 | 57 | Elevated |
| Rowley | 1 | $1,903 | 57 | Elevated |
| Alden | 1 | $2,019 | 57 | Elevated |
| New Hartford | 1 | $1,960 | 57 | Elevated |
| Emmetsburg | 1 | $1,863 | 57 | Elevated |
| Lorimor | 1 | $1,970 | 57 | Elevated |
| Merrill | 1 | $1,971 | 57 | Elevated |
| Elkhart | 1 | $1,904 | 57 | Elevated |
| Lamoni | 1 | $2,039 | 57 | Elevated |
| Ireton | 1 | $1,536 | 57 | Elevated |
| Spencer | 1 | $1,853 | 56 | Elevated |
| Eagle Grove | 1 | $1,857 | 56 | Elevated |
| Tripoli | 1 | $1,961 | 56 | Elevated |
| Osceola | 1 | $1,912 | 56 | Elevated |
| Denver | 1 | $1,978 | 56 | Elevated |
| Northwood | 1 | $1,837 | 56 | Elevated |
| Paullina | 1 | $1,734 | 56 | Elevated |
| Council Bluffs | 2 | $2,061 | 56 | Elevated |
| Homestead | 1 | $2,246 | 56 | Elevated |
| Essex | 1 | $2,137 | 56 | Elevated |
| Martensdale | 1 | $1,568 | 56 | Elevated |
| Remsen | 1 | $1,962 | 56 | Elevated |
| Humeston | 1 | $1,712 | 56 | Elevated |
| Primghar | 1 | $1,816 | 56 | Elevated |
| West Bend | 1 | $1,797 | 56 | Elevated |
| Shenandoah | 1 | $1,965 | 56 | Elevated |
| Breda | 1 | $2,204 | 56 | Elevated |
| Nashua | 1 | $1,845 | 56 | Elevated |
| Moravia | 1 | $1,982 | 56 | Elevated |
| Marshalltown | 1 | $1,749 | 56 | Elevated |
| Sheffield | 1 | $1,892 | 56 | Elevated |
| Hornick | 1 | $1,969 | 56 | Elevated |
| Lake Park | 1 | $1,966 | 55 | Elevated |
| Bondurant | 1 | $1,833 | 55 | Elevated |
| McGregor | 1 | $1,808 | 55 | Elevated |
| New Sharon | 1 | $1,824 | 55 | Elevated |
| La Porte City | 1 | $1,813 | 55 | Elevated |
| Dysart | 1 | $2,085 | 55 | Elevated |
| Manilla | 1 | $2,112 | 55 | Elevated |
| Perry | 1 | $1,860 | 55 | Elevated |
| Lime Springs | 1 | $1,709 | 55 | Elevated |
| Avoca | 1 | $1,969 | 55 | Elevated |
| Dakota City | 1 | $1,666 | 55 | Elevated |
| Montour | 1 | $1,690 | 55 | Elevated |
| Clarinda | 1 | $2,002 | 55 | Elevated |
| Carlisle | 1 | $1,746 | 55 | Elevated |
| Adair | 1 | $2,264 | 55 | Elevated |
| Bettendorf | 2 | $2,339 | 55 | Elevated |
| Storm Lake | 1 | $2,214 | 55 | Elevated |
| Bronson | 1 | $2,084 | 55 | Elevated |
| Plymouth | 1 | $1,784 | 55 | Elevated |
| West Des Moines | 4 | $2,371 | 55 | Elevated |
| Newton | 1 | $1,721 | 55 | Elevated |
| Gladbrook | 1 | $1,919 | 55 | Elevated |
| Batavia | 1 | $1,984 | 55 | Elevated |
| Ainsworth | 1 | $2,068 | 55 | Elevated |
| Radcliffe | 1 | $1,819 | 54 | Elevated |
| Anthon | 1 | $1,908 | 54 | Elevated |
| Audubon | 1 | $2,137 | 54 | Elevated |
| Graettinger | 1 | $1,724 | 54 | Elevated |
| Belmond | 1 | $1,923 | 54 | Elevated |
| Mona | 1 | $1,959 | 54 | Elevated |
| New Albin | 1 | $1,624 | 54 | Elevated |
| Baxter | 1 | $1,931 | 54 | Elevated |
| Redfield | 1 | $1,862 | 54 | Elevated |
| Bussey | 2 | $1,678 | 54 | Elevated |
| Hawarden | 1 | $1,868 | 54 | Elevated |
| Hull | 1 | $1,740 | 54 | Elevated |
| Alton | 1 | $1,923 | 54 | Elevated |
| Knoxville | 1 | $1,743 | 54 | Elevated |
| Allison | 1 | $1,869 | 54 | Elevated |
| St. Charles | 1 | $2,113 | 54 | Elevated |
| Quasqueton | 1 | $1,867 | 54 | Elevated |
| Spirit Lake | 1 | $2,243 | 54 | Elevated |
| Onawa | 1 | $1,970 | 54 | Elevated |
| Parkersburg | 1 | $1,883 | 54 | Elevated |
| Carter Lake | 1 | $2,007 | 54 | Elevated |
| Winfield | 1 | $2,007 | 54 | Elevated |
| Carson | 1 | $2,370 | 54 | Elevated |
| Tama | 1 | $1,740 | 54 | Elevated |
| Walker | 1 | $1,878 | 54 | Elevated |
| Van Horne | 1 | $1,984 | 54 | Elevated |
| Woodward | 1 | $1,928 | 54 | Elevated |
| Battle Creek | 1 | $2,082 | 54 | Elevated |
| Sergeant Bluff | 1 | $2,248 | 54 | Elevated |
| Lovilia | 1 | $1,805 | 53 | Elevated |
| Ogden | 1 | $1,917 | 53 | Elevated |
| Collins | 1 | $1,921 | 53 | Elevated |
| Ruthven | 1 | $1,647 | 53 | Elevated |
| Charlotte | 1 | $1,847 | 53 | Elevated |
| Chelsea | 1 | $1,912 | 53 | Elevated |
| Ottumwa | 1 | $1,794 | 53 | Elevated |
| Sully | 1 | $1,805 | 53 | Elevated |
| Sioux City | 6 | $1,883 | 53 | Elevated |
| Milo | 1 | $1,769 | 53 | Elevated |
| Cresco | 1 | $1,649 | 53 | Elevated |
| Aurelia | 1 | $1,954 | 53 | Elevated |
| Corydon | 1 | $2,197 | 53 | Elevated |
| Minburn | 1 | $1,886 | 53 | Elevated |
| Anita | 1 | $1,856 | 53 | Elevated |
| Lake Mills | 1 | $2,030 | 53 | Elevated |
| Shelby | 1 | $2,345 | 53 | Elevated |
| Ridgeway | 1 | $1,790 | 52 | Elevated |
| Forest City | 1 | $1,996 | 52 | Elevated |
| Hudson | 1 | $1,843 | 52 | Elevated |
| Cascade | 1 | $1,877 | 52 | Elevated |
| Clear Lake | 1 | $2,015 | 52 | Elevated |
| Sigourney | 1 | $1,654 | 52 | Elevated |
| Big Rock | 1 | $1,881 | 52 | Elevated |
| Norwalk | 1 | $1,848 | 52 | Elevated |
| Mason City | 1 | $1,812 | 52 | Elevated |
| Otho | 1 | $1,803 | 52 | Elevated |
| Altoona | 1 | $1,776 | 52 | Elevated |
| Dexter | 1 | $2,067 | 52 | Elevated |
| Stanhope | 1 | $1,961 | 52 | Elevated |
| Lisbon | 1 | $1,752 | 52 | Elevated |
| Estherville | 1 | $1,797 | 52 | Elevated |
| Fredericksburg | 1 | $1,663 | 52 | Elevated |
| Coggon | 1 | $1,846 | 52 | Elevated |
| Grand Mound | 1 | $1,849 | 52 | Elevated |
| Oakland | 1 | $1,972 | 52 | Elevated |
| Hedrick | 1 | $1,936 | 52 | Elevated |
| Fremont | 1 | $1,858 | 52 | Elevated |
| Reinbeck | 1 | $1,836 | 51 | Elevated |
| Keokuk | 1 | $1,787 | 51 | Elevated |
| New Market | 1 | $1,803 | 51 | Elevated |
| Peosta | 1 | $1,933 | 51 | Elevated |
| Oxford | 1 | $2,019 | 51 | Elevated |
| Mechanicsville | 1 | $1,665 | 51 | Elevated |
| Denmark | 1 | $2,038 | 51 | Elevated |
| Klemme | 1 | $1,957 | 51 | Elevated |
| Wall Lake | 1 | $1,991 | 51 | Elevated |
| Farmington | 1 | $1,790 | 51 | Elevated |
| Leighton | 1 | $1,659 | 51 | Elevated |
| Boone | 1 | $1,982 | 51 | Elevated |
| Swan | 1 | $1,801 | 51 | Elevated |
| Lake Panorama | 1 | $2,580 | 51 | Elevated |
| Livermore | 1 | $1,863 | 51 | Elevated |
| Janesville | 1 | $1,934 | 51 | Elevated |
| Polk City | 1 | $1,975 | 51 | Elevated |
| Clermont | 1 | $1,543 | 51 | Elevated |
| Columbus Junction | 1 | $1,729 | 51 | Elevated |
| Gowrie | 1 | $1,868 | 51 | Elevated |
| Kingsley | 1 | $2,054 | 51 | Elevated |
| Keota | 1 | $1,917 | 50 | Elevated |
| Blairstown | 1 | $1,726 | 50 | Elevated |
| Hinton | 1 | $2,232 | 50 | Elevated |
| Ankeny | 2 | $1,820 | 50 | Elevated |
| Orange City | 1 | $1,834 | 50 | Elevated |
| Gilbertville | 1 | $1,541 | 50 | Elevated |
| Fort Dodge | 1 | $1,877 | 50 | Elevated |
| Clarksville | 1 | $1,722 | 50 | Elevated |
| Holstein | 1 | $1,854 | 50 | Elevated |
| Traer | 1 | $1,876 | 50 | Elevated |
| Akron | 1 | $1,816 | 50 | Elevated |
| Libertyville | 1 | $1,719 | 50 | Elevated |
| Sumner | 1 | $1,900 | 50 | Elevated |
| Toledo | 1 | $1,657 | 49 | Elevated |
| Douds | 1 | $1,753 | 49 | Elevated |
| Pleasant Plain | 1 | $1,817 | 49 | Elevated |
| Fairfield | 1 | $1,851 | 49 | Elevated |
| Urbandale | 2 | $2,065 | 49 | Elevated |
| Jesup | 1 | $1,754 | 49 | Elevated |
| Huxley | 1 | $1,848 | 49 | Elevated |
| Pella | 1 | $1,848 | 49 | Elevated |
| Denison | 1 | $1,851 | 49 | Elevated |
| Ryan | 1 | $1,779 | 49 | Elevated |
| Garwin | 1 | $2,013 | 49 | Elevated |
| Middletown | 1 | $1,679 | 49 | Elevated |
| Shell Rock | 1 | $1,733 | 49 | Elevated |
| Laurens | 1 | $1,773 | 49 | Elevated |
| Manly | 1 | $1,810 | 49 | Elevated |
| Jewell Junction | 1 | $1,755 | 49 | Elevated |
| Solon | 1 | $2,199 | 49 | Elevated |
| Titonka | 1 | $1,730 | 48 | Elevated |
| Dunkerton | 1 | $1,963 | 48 | Elevated |
| Waverly | 1 | $1,824 | 48 | Elevated |
| Montezuma | 1 | $1,953 | 48 | Elevated |
| Miles | 1 | $1,758 | 48 | Elevated |
| Waterloo | 3 | $1,591 | 48 | Elevated |
| Windsor Heights | 1 | $1,692 | 48 | Elevated |
| Elkader | 1 | $1,767 | 48 | Elevated |
| Ely | 1 | $1,903 | 48 | Elevated |
| Princeton | 1 | $1,880 | 48 | Elevated |
| Montrose | 1 | $1,755 | 48 | Elevated |
| Rickardsville | 1 | $2,036 | 48 | Elevated |
| Nichols | 1 | $1,844 | 48 | Elevated |
| Clarence | 1 | $1,754 | 48 | Elevated |
| Garner | 1 | $2,015 | 47 | Elevated |
| Madrid | 1 | $1,877 | 47 | Elevated |
| Sheldon | 1 | $1,786 | 47 | Elevated |
| Sherrill | 1 | $1,960 | 47 | Elevated |
| Adel | 1 | $2,165 | 47 | Elevated |
| West Liberty | 1 | $1,728 | 47 | Elevated |
| Waukee | 1 | $2,014 | 47 | Elevated |
| Stratford | 1 | $2,085 | 47 | Elevated |
| Marquette | 1 | $1,520 | 47 | Elevated |
| Rock Valley | 1 | $1,673 | 47 | Elevated |
| Ida Grove | 1 | $1,912 | 47 | Elevated |
| Milford | 1 | $2,162 | 47 | Elevated |
| Arnolds Park | 1 | $1,859 | 47 | Elevated |
| Iowa Falls | 1 | $1,759 | 47 | Elevated |
| Charles City | 1 | $1,837 | 47 | Elevated |
| Riverside | 1 | $2,011 | 46 | Elevated |
| Independence | 1 | $1,798 | 46 | Elevated |
| Maquoketa | 1 | $1,741 | 46 | Elevated |
| Inwood | 1 | $1,640 | 46 | Elevated |
| Indianola | 1 | $1,843 | 46 | Elevated |
| Garrison | 1 | $1,878 | 46 | Elevated |
| Goose Lake | 2 | $2,021 | 46 | Elevated |
| Hartford | 1 | $1,508 | 46 | Elevated |
| Shueyville | 1 | $2,271 | 46 | Elevated |
| Burlington | 1 | $1,715 | 46 | Elevated |
| Low Moor | 1 | $1,694 | 46 | Elevated |
| Holiday Lake | 1 | $1,693 | 46 | Elevated |
| Glidden | 1 | $2,050 | 46 | Elevated |
| Iowa City | 3 | $1,790 | 46 | Elevated |
| Menlo | 1 | $2,005 | 46 | Elevated |
| Wheatland | 1 | $1,676 | 46 | Elevated |
| Donnellson | 1 | $1,755 | 46 | Elevated |
| Lansing | 1 | $1,586 | 46 | Elevated |
| Greene | 1 | $1,941 | 46 | Elevated |
| Decorah | 1 | $1,722 | 45 | Elevated |
| Clarion | 1 | $1,840 | 45 | Elevated |
| Sabula | 1 | $1,628 | 45 | Elevated |
| Albia | 1 | $1,828 | 45 | Elevated |
| Stanwood | 1 | $1,608 | 45 | Elevated |
| Hopkinton | 1 | $1,637 | 45 | Elevated |
| Carroll | 1 | $1,942 | 45 | Elevated |
| Lake View | 1 | $1,846 | 45 | Elevated |
| Stanton | 1 | $1,902 | 45 | Elevated |
| Camanche | 1 | $1,645 | 45 | Elevated |
| Larchwood | 1 | $1,833 | 45 | Elevated |
| Ames | 2 | $1,882 | 45 | Elevated |
| Conrad | 1 | $1,990 | 45 | Elevated |
| Webster City | 1 | $1,879 | 45 | Elevated |
| Buffalo Center | 1 | $1,784 | 45 | Elevated |
| Davenport | 5 | $1,656 | 45 | Elevated |
| Postville | 1 | $1,635 | 45 | Elevated |
| Grinnell | 1 | $1,888 | 45 | Elevated |
| Salem | 1 | $1,806 | 45 | Elevated |
| Parnell | 1 | $2,098 | 45 | Elevated |
| Martelle | 1 | $1,790 | 45 | Elevated |
| Hampton | 1 | $1,705 | 45 | Elevated |
| Edgewood | 1 | $1,534 | 45 | Elevated |
| Springville | 1 | $2,090 | 45 | Elevated |
| Atlantic | 1 | $1,784 | 45 | Elevated |
| Richland | 1 | $1,827 | 44 | Elevated |
| Elgin | 1 | $1,707 | 44 | Elevated |
| Atalissa | 1 | $1,575 | 44 | Elevated |
| Le Mars | 1 | $1,800 | 44 | Elevated |
| Fort Madison | 1 | $1,714 | 44 | Elevated |
| Central City | 1 | $1,740 | 44 | Elevated |
| Sac City | 1 | $1,764 | 44 | Elevated |
| Melrose | 1 | $1,547 | 44 | Elevated |
| Cedar Falls | 1 | $1,770 | 44 | Elevated |
| Earlville | 1 | $1,683 | 44 | Elevated |
| Belle Plaine | 1 | $1,692 | 44 | Elevated |
| Morning Sun | 1 | $1,819 | 44 | Elevated |
| Calamus | 1 | $1,570 | 44 | Elevated |
| Guttenberg | 1 | $1,633 | 44 | Elevated |
| Readlyn | 1 | $1,789 | 44 | Elevated |
| Clinton | 1 | $1,666 | 44 | Elevated |
| Chariton | 1 | $1,765 | 44 | Elevated |
| New Hampton | 1 | $1,575 | 44 | Elevated |
| Rock Rapids | 1 | $1,763 | 43 | Elevated |
| Humboldt | 1 | $1,805 | 43 | Elevated |
| Minden | 1 | $1,882 | 43 | Elevated |
| Winthrop | 1 | $1,950 | 43 | Elevated |
| West Union | 1 | $1,601 | 43 | Elevated |
| Hiawatha | 2 | $1,816 | 43 | Elevated |
| Walcott | 1 | $1,646 | 43 | Elevated |
| Harpers Ferry | 1 | $1,481 | 43 | Elevated |
| Coon Rapids | 1 | $1,878 | 43 | Elevated |
| Dubuque | 3 | $1,688 | 43 | Elevated |
| Cedar Rapids | 6 | $1,695 | 43 | Elevated |
| Nevada | 1 | $1,756 | 42 | Elevated |
| Algona | 1 | $1,844 | 42 | Elevated |
| Coralville | 1 | $1,842 | 42 | Elevated |
| Dallas Center | 1 | $2,115 | 42 | Elevated |
| Crawfordsville | 1 | $1,687 | 42 | Elevated |
| Wellman | 1 | $1,814 | 42 | Elevated |
| Dike | 1 | $1,966 | 42 | Elevated |
| Leon | 1 | $1,898 | 42 | Elevated |
| Letts | 1 | $1,957 | 42 | Elevated |
| Manning | 1 | $1,917 | 42 | Elevated |
| Pocahontas | 1 | $1,658 | 42 | Elevated |
| Williamsburg | 1 | $1,866 | 42 | Elevated |
| Sioux Center | 1 | $1,716 | 41 | Elevated |
| Marion | 1 | $1,633 | 41 | Elevated |
| Anamosa | 1 | $1,737 | 41 | Elevated |
| West Branch | 1 | $1,735 | 41 | Elevated |
| Lake City | 1 | $1,682 | 41 | Elevated |
| Mount Pleasant | 1 | $1,679 | 41 | Elevated |
| Urbana | 1 | $1,679 | 40 | Moderate |
| Evansdale | 1 | $1,534 | 40 | Moderate |
| North English | 1 | $1,673 | 40 | Moderate |
| Britt | 1 | $1,667 | 40 | Moderate |
| Tipton | 1 | $1,676 | 40 | Moderate |
| Eldridge | 1 | $1,780 | 40 | Moderate |
| Manchester | 1 | $1,690 | 40 | Moderate |
| Wayland | 1 | $1,851 | 40 | Moderate |
| Oxford Junction | 1 | $1,582 | 40 | Moderate |
| West Point | 1 | $1,689 | 40 | Moderate |
| North Liberty | 1 | $1,761 | 40 | Moderate |
| Oskaloosa | 1 | $1,785 | 40 | Moderate |
| Keystone | 1 | $1,684 | 40 | Moderate |
| Fayette | 1 | $1,651 | 39 | Moderate |
| Donahue | 1 | $1,766 | 39 | Moderate |
| Buffalo | 1 | $1,554 | 39 | Moderate |
| Wyoming | 1 | $1,554 | 39 | Moderate |
| Le Claire | 1 | $1,983 | 39 | Moderate |
| Durant | 1 | $1,661 | 39 | Moderate |
| Walford | 1 | $1,790 | 39 | Moderate |
| Bloomfield | 1 | $1,972 | 39 | Moderate |
| Fairbank | 1 | $1,852 | 39 | Moderate |
| Harlan | 1 | $1,828 | 39 | Moderate |
| Lone Tree | 1 | $1,709 | 39 | Moderate |
| Waukon | 1 | $1,408 | 39 | Moderate |
| Mount Vernon | 1 | $1,804 | 39 | Moderate |
| Delmar | 1 | $1,730 | 39 | Moderate |
| New London | 1 | $1,657 | 39 | Moderate |
| Marengo | 1 | $1,703 | 39 | Moderate |
| Palo | 1 | $1,862 | 39 | Moderate |
| Farley | 1 | $1,613 | 38 | Moderate |
| Alburnett | 1 | $1,768 | 38 | Moderate |
| Olin | 1 | $1,727 | 38 | Moderate |
| What Cheer | 1 | $1,659 | 38 | Moderate |
| Grundy Center | 1 | $1,806 | 37 | Moderate |
| West Burlington | 1 | $1,550 | 37 | Moderate |
| Robins | 1 | $1,951 | 37 | Moderate |
| Norway | 1 | $1,777 | 37 | Moderate |
| La Motte | 1 | $1,620 | 37 | Moderate |
| DeWitt | 1 | $1,710 | 37 | Moderate |
| Wever | 1 | $1,788 | 37 | Moderate |
| Tiffin | 1 | $1,618 | 37 | Moderate |
| Center Point | 1 | $1,872 | 37 | Moderate |
| Muscatine | 1 | $1,682 | 36 | Moderate |
| Bennett | 1 | $1,576 | 36 | Moderate |
| Bellevue | 1 | $1,792 | 36 | Moderate |
| Vinton | 1 | $1,725 | 36 | Moderate |
| Conesville | 1 | $1,690 | 36 | Moderate |
| Atkins | 1 | $1,867 | 36 | Moderate |
| North Buena Vista | 1 | $1,533 | 36 | Moderate |
| Sperry | 1 | $1,757 | 35 | Moderate |
| Fairfax | 1 | $1,722 | 35 | Moderate |
| Shellsburg | 1 | $1,884 | 35 | Moderate |
| Amana | 1 | $1,862 | 35 | Moderate |
| Stockton | 1 | $1,748 | 34 | Moderate |
| Kalona | 1 | $1,639 | 34 | Moderate |
| New Vienna | 1 | $1,529 | 34 | Moderate |
| Long Grove | 1 | $1,915 | 34 | Moderate |
| Dyersville | 1 | $1,552 | 34 | Moderate |
| Kingston | 1 | $1,711 | 33 | Moderate |
| Wapello | 1 | $1,591 | 33 | Moderate |
| Fruitland | 1 | $1,734 | 33 | Moderate |
| Blue Grass | 1 | $1,913 | 33 | Moderate |
| Newhall | 1 | $1,679 | 33 | Moderate |
| Hills | 1 | $1,441 | 33 | Moderate |
| Danville | 1 | $1,743 | 33 | Moderate |
| Lost Nation | 1 | $1,539 | 32 | Moderate |
| Epworth | 1 | $1,654 | 32 | Moderate |
| Wilton | 1 | $1,603 | 32 | Moderate |
| Hazleton | 1 | $1,642 | 32 | Moderate |
| Washington | 1 | $1,635 | 32 | Moderate |
| Bernard | 1 | $1,522 | 31 | Moderate |
| Delhi | 1 | $1,719 | 31 | Moderate |
| Lowden | 1 | $1,607 | 30 | Moderate |
| Monticello | 1 | $1,583 | 29 | Moderate |
| Victor | 1 | $1,451 | 26 | Moderate |
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Highest Risk ZIPs
Data Sources & Methodology
Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.
2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.