Homeowners Insurance Cost in Iowa
Homeowners insurance in Iowa costs about $2,400 a year ($200 a month), which is close to the US average. Most prices fall from $1,300 to $5,500.
Homeowners Insurance Cost in Iowa
| Low | Typical | High | |
|---|---|---|---|
| Iowa | $1,300 | $2,400 | $5,500 |
| US average | $1,300 | $2,400 | $5,500 |
Premiums in Iowa reflect local claim costs, repair prices, weather risk and state insurance rules. We rank Iowa number 28 of 51 from cheapest to most expensive (1 is cheapest). State factor used: 1.00 (1.00 is the US average).
What the price covers
The figures are for a single-family home with about $300,000 of dwelling coverage. Storm, fire and flood risk, rebuild cost and roof age drive the price. Flood and earthquake are usually separate policies.
Ways to pay less in Iowa
- Ask about discounts for a new roof, security system and bundled auto.
- A higher deductible lowers the premium, especially in storm-prone areas.
- Flood and earthquake damage are usually not covered. Ask about separate policies.
Frequently asked questions
How much is homeowners insurance?
In Iowa the typical price is about $2,400 a year ($200 a month), with a range of $1,300 to $5,500.
Is homeowners insurance more expensive in Iowa than average?
It is close to the US average of $2,400.
Is this a quote?
No. It is a modelled estimate. Get quotes for your exact situation.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.