Best Homeowners Insurance in Iowa for 2026
State Farm has the best Iowa home insurance overall, but Famers may be a little cheaper
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- State Farm is Iowa’s best home insurance company overall, combining competitive rates and great coverage options.
- The average home insurance premium in Iowa costs $3,492 per year, or $291 per month.
- Iowa homeowners face considerable hail, tornado and windstorm risks, making it important to compare wind and hail deductibles and coverage.
Best homeowners insurance in Iowa
The best home insurance companies in Iowa combine competitive rates with strong coverage, customer service and discounts.
State Farm earns the top spot overall for its low rates and solid coverage, while Farmers stands out for its cheap rates, Shelter for its excellent mix of coverage options for better policy personalization, and USAA for its specific coverage for military members and their families.
Best overall: State Farm
Average annual rate: $2,520
Why we chose it: State Farm combines significantly lower-than-average rates with a notable 4-star LendingTree rating. It also offers a solid selection of coverage options, giving homeowners multiple ways to customize their policies.
Who it’s best for: State Farm is best for homeowners looking for a balance of affordable prices and broad coverage.
PROS
- Second-cheapest average rates in the state
- Good mix of coverage options for most homeowners
- Excellent financial strength rating from AM Best
CONS
- Gets more consumer complaints than average
- Fewer discounts than some other competitors
Best cheap home insurance: Farmers
Average annual rate: $2,502
Why we chose it: Farmers has the cheapest average home insurance rate in Iowa for a typical home needing $400,000 of dwelling coverage. It also offers 12 different discounts, giving homeowners even more opportunities to save. Plus it gets 30% fewer customer complaints than average, according to the National Association of Insurance Commissioners (NAIC), which indicates customers are generally happy with the service.
Who it’s best for: Farmers is best for homeowners looking for affordable coverage, good service and multiple ways to save.
PROS
- Cheapest average rate in Iowa
- Wide range of discounts to save even more
- Fewer customer complaints than average
CONS
- Fewer coverage options than some competitors
- Not the cheapest across all dwelling limits
Best for coverage options: Shelter
Average annual rate: $2,868
Why we chose it: Shelter offers 10 coverage options, more than any other Iowa insurer we reviewed. This variety gives homeowners additional ways to customize their policies. Shelter also gets about 60% fewer consumer complaints than average, which indicates customers are generally happy with the company’s customer service and coverage.
Who it’s best for: Shelter is best for homeowners looking for a wide selection of coverage options to personalize their policy.
PROS
- Excellent range of coverage add-ons
- Discounts available to help lower costs
- Low complaint rating
CONS
- More expensive than other top picks
- No online quotes; must work with an agent
Best for military families: USAA
Average annual rate: $2,540
Why we chose it: USAA policies are available to members of the military community, certain federal agencies and qualifying family members. Some of the coverages are designed for military members, such as protection for service uniforms and gear. The company also offers the third-cheapest average home insurance rate in Iowa and gets about half as many consumer complaints as other insurers its size, which indicates customers are generally happy with USAA’s service and coverage.
Who it’s best for: USAA is best for eligible military members, veterans and their families who want affordable rates and policies that are tailored for their unique needs.
PROS
- Third-cheapest average rate in the state
- Fewer complaints than average
- Policies tailored for military members
CONS
- Must meet eligibility requirements and join USAA to get coverage
- Doesn’t have many coverage add-ons
Compare home insurance rates and ratings in Iowa
| Company | Average annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| Farmers | $2,502 | 3.5/5 | 0.7 |
| State Farm | $2,520 | 4/5 | 1.4 |
 | USAA** | $2,540 | 4/5 | 0.5 |
 | Auto-Owners | $2,696 | 4/5 | 0.5 |
| Shelter | $2,868 | 4.5/5 | 0.4 |
 | American Family | $3,211 | 4/5 | 0.4 |
 | West Bend | $3,327 | N/A | N/A |
 | Allstate | $4,065 | 4/5 | 1.2 |
In Iowa, rates can vary significantly between insurers. Comparing multiple options can help you find better pricing and coverage.
LendingTree analyzed home insurance quotes from every Iowa ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is homeowners insurance in Iowa?
The average cost of home insurance in Iowa is $3,492, or $291 per month for $400,000 in dwelling coverage.
Each insurance company has its own way of calculating premiums, so rates can vary considerably by insurer. For example, in Iowa, annual premiums for a $400,000 coverage limit range from $2,502 to $6,366.
Iowa’s statewide average home insurance rate is about 33% higher than the national average of $2,628 per year. Iowa homeowners face higher insurance costs largely because of the state’s rising construction costs and its exposure to tornadoes, hail and severe windstorms.
Average home insurance rates by dwelling coverage amount
Your home insurance rate will vary based on how much dwelling coverage you need. Dwelling coverage pays to repair or rebuild your house and attached structures after a covered loss, so it needs to be high enough for what you’d need to cover current construction costs.
| Company | $300,000 coverage | $400,000 coverage | $550,000 coverage | $750,000 coverage |
|---|---|---|---|---|
| Farmers | $1,934 | $2,502 | $3,505 | $4,738 |
| State Farm | $2,133 | $2,520 | $3,006 | $3,547 |
| Shelter | $2,266 | $2,868 | $3,771 | $4,981 |
| USAA | $2,103 | $2,540 | $3,172 | $4,003 |
| State average | $2,798 | $3,492 | $4,460 | $5,672 |
Home insurance rates in Iowa by city
Thurman has Iowa’s highest average home insurance rate at $4,321 per year, followed by Carter Lake at $4,311 and Randolph at $4,287. All three locations are near rivers that make them more prone to flooding.
Princeton has the lowest average rate at $3,019, while DeWitt and Long Grove follow close behind at $3,032 and $3,033, respectively.
| City | Average rate |
|---|---|
| Ackley | $3,372 |
| Ackworth | $3,525 |
| Adair | $3,940 |
| Adel | $3,583 |
| Afton | $3,906 |
| Agency | $3,415 |
| Ainsworth | $3,296 |
| Akron | $3,835 |
| Albert City | $3,710 |
| Albia | $3,528 |
| Albion | $3,549 |
| Alburnett | $3,249 |
| Alexander | $3,597 |
| Algona | $3,571 |
| Alleman | $3,362 |
| Allerton | $3,510 |
| Allison | $3,385 |
| Alta | $3,714 |
| Alta Vista | $3,280 |
| Alton | $3,656 |
| Altoona | $3,383 |
| Alvord | $3,660 |
| Amana | $3,396 |
| Ames | $3,314 |
| Anamosa | $3,208 |
| Andover | $3,284 |
| Andrew | $3,350 |
| Anita | $3,921 |
| Ankeny | $3,309 |
| Anthon | $3,967 |
| Aplington | $3,342 |
| Archer | $3,670 |
| Aredale | $3,370 |
| Argyle | $3,341 |
| Arion | $3,838 |
| Arispe | $3,872 |
| Arlington | $3,384 |
| Armstrong | $3,600 |
| Arnolds Park | $3,705 |
| Arthur | $3,816 |
| Asbury | $3,060 |
| Ashton | $3,758 |
| Aspinwall | $3,757 |
| Atalissa | $3,307 |
| Atkins | $3,334 |
| Atlantic | $3,893 |
| Auburn | $3,825 |
| Audubon | $3,766 |
| Aurelia | $3,661 |
| Aurora | $3,497 |
| Austinville | $3,431 |
| Avoca | $4,052 |
| Ayrshire | $3,756 |
| Badger | $3,707 |
| Bagley | $3,784 |
| Baldwin | $3,153 |
| Bancroft | $3,597 |
| Barnes City | $3,428 |
| Barnum | $3,766 |
| Batavia | $3,416 |
| Battle Creek | $3,958 |
| Baxter | $3,439 |
| Bayard | $3,798 |
| Beacon | $3,490 |
| Beaman | $3,465 |
| Bedford | $4,151 |
| Belle Plaine | $3,396 |
| Bellevue | $3,141 |
| Belmond | $3,567 |
| Bennett | $3,199 |
| Benton | $3,787 |
| Bernard | $3,082 |
| Berwick | $3,435 |
| Bettendorf | $3,158 |
| Bevington | $3,639 |
| Birmingham | $3,378 |
| Blairsburg | $3,488 |
| Blairstown | $3,356 |
| Blakesburg | $3,475 |
| Blanchard | $4,105 |
| Blencoe | $3,926 |
| Blockton | $4,056 |
| Bloomfield | $3,517 |
| Bode | $3,749 |
| Bondurant | $3,447 |
| Boone | $3,482 |
| Booneville | $3,531 |
| Bouton | $3,533 |
| Boxholm | $3,477 |
| Boyden | $3,618 |
| Braddyville | $4,202 |
| Bradgate | $3,751 |
| Brandon | $3,442 |
| Brayton | $3,894 |
| Breda | $3,874 |
| Bridgewater | $3,954 |
| Brighton | $3,242 |
| Bristow | $3,396 |
| Britt | $3,451 |
| Bronson | $3,918 |
| Brooklyn | $3,379 |
| Brunsville | $3,809 |
| Bryant | $3,146 |
| Buckingham | $3,501 |
| Buffalo Center | $3,455 |
| Burlington | $3,201 |
| Burnside | $3,819 |
| Bussey | $3,536 |
| Calamus | $3,126 |
| Callender | $3,789 |
| Calumet | $3,796 |
| Camanche | $3,097 |
| Cambridge | $3,431 |
| Cantril | $3,256 |
| Carbon | $4,150 |
| Carlisle | $3,460 |
| Carpenter | $3,397 |
| Carroll | $3,729 |
| Carson | $4,163 |
| Carter Lake | $4,311 |
| Cascade | $3,102 |
| Casey | $3,973 |
| Castalia | $3,286 |
| Castana | $3,856 |
| Cedar | $3,485 |
| Cedar Falls | $3,336 |
| Cedar Rapids | $3,244 |
| Center Junction | $3,230 |
| Center Point | $3,372 |
| Centerville | $3,431 |
| Central City | $3,301 |
| Chapin | $3,428 |
| Chariton | $3,595 |
| Charles City | $3,377 |
| Charlotte | $3,122 |
| Charter Oak | $3,941 |
| Chatsworth | $3,533 |
| Chelsea | $3,413 |
| Cherokee | $3,728 |
| Chester | $3,357 |
| Chillicothe | $3,470 |
| Churdan | $3,683 |
| Cincinnati | $3,504 |
| Clare | $3,648 |
| Clarence | $3,210 |
| Clarinda | $4,098 |
| Clarion | $3,503 |
| Clarksville | $3,388 |
| Clear Lake | $3,296 |
| Clearfield | $4,118 |
| Cleghorn | $3,723 |
| Clemons | $3,565 |
| Clermont | $3,301 |
| Climbing Hill | $3,890 |
| Clinton | $3,093 |
| Clio | $3,563 |
| Clive | $3,384 |
| Clutier | $3,572 |
| Coggon | $3,238 |
| Coin | $4,178 |
| Colesburg | $3,299 |
| Colfax | $3,419 |
| College Springs | $4,194 |
| Collins | $3,347 |
| Colo | $3,393 |
| Columbia | $3,407 |
| Columbus City | $3,270 |
| Columbus Junction | $3,194 |
| Colwell | $3,372 |
| Conesville | $3,286 |
| Conrad | $3,462 |
| Conroy | $3,400 |
| Coon Rapids | $3,785 |
| Cooper | $3,570 |
| Coralville | $3,121 |
| Corning | $4,062 |
| Correctionville | $3,880 |
| Corwith | $3,461 |
| Corydon | $3,572 |
| Coulter | $3,533 |
| Council Bluffs | $4,250 |
| Crawfordsville | $3,292 |
| Crescent | $4,265 |
| Cresco | $3,285 |
| Creston | $3,879 |
| Cromwell | $3,900 |
| Crystal Lake | $3,395 |
| Cumberland | $4,081 |
| Cumming | $3,395 |
| Curlew | $3,741 |
| Cushing | $3,832 |
| Cylinder | $3,716 |
| Dakota City | $3,709 |
| Dallas Center | $3,518 |
| Dana | $3,444 |
| Danbury | $3,964 |
| Davenport | $3,113 |
| Davis City | $3,670 |
| Dawson | $3,522 |
| Dayton | $3,672 |
| De Soto | $3,607 |
| De Witt | $3,032 |
| Decatur | $3,629 |
| Decorah | $3,239 |
| Dedham | $3,812 |
| Defiance | $3,966 |
| Delaware | $3,376 |
| Delmar | $3,165 |
| Deloit | $3,830 |
| Delta | $3,440 |
| Denison | $3,808 |
| Denmark | $3,233 |
| Denver | $3,279 |
| Derby | $3,502 |
| Des Moines | $3,487 |
| Dewar | $3,477 |
| Dexter | $3,648 |
| Diagonal | $3,860 |
| Dickens | $3,791 |
| Dike | $3,412 |
| Dixon | $3,105 |
| Dolliver | $3,610 |
| Donahue | $3,102 |
| Donnellson | $3,292 |
| Dorchester | $3,141 |
| Douds | $3,424 |
| Dougherty | $3,399 |
| Dow City | $3,945 |
| Dows | $3,505 |
| Drakesville | $3,465 |
| Dubuque | $3,093 |
| Dumont | $3,352 |
| Duncombe | $3,798 |
| Dundee | $3,409 |
| Dunkerton | $3,407 |
| Dunlap | $4,081 |
| Durango | $3,120 |
| Durant | $3,217 |
| Dyersville | $3,214 |
| Dysart | $3,563 |
| Eagle Grove | $3,572 |
| Earlham | $3,683 |
| Earling | $3,989 |
| Earlville | $3,391 |
| Early | $3,972 |
| East Peru | $3,604 |
| Eddyville | $3,557 |
| Edgewood | $3,402 |
| Elberon | $3,487 |
| Eldon | $3,471 |
| Eldora | $3,596 |
| Eldridge | $3,076 |
| Elgin | $3,324 |
| Elk Horn | $3,934 |
| Elk Run Heights | $3,404 |
| Elkader | $3,317 |
| Elkport | $3,378 |
| Elliott | $4,104 |
| Ellston | $3,756 |
| Ellsworth | $3,575 |
| Elma | $3,326 |
| Ely | $3,190 |
| Emerson | $4,137 |
| Emmetsburg | $3,798 |
| Epworth | $3,139 |
| Essex | $4,145 |
| Estherville | $3,697 |
| Evansdale | $3,403 |
| Everly | $3,778 |
| Exira | $3,975 |
| Exline | $3,526 |
| Fairfax | $3,186 |
| Fairfield | $3,367 |
| Farley | $3,186 |
| Farnhamville | $3,846 |
| Farragut | $4,277 |
| Fayette | $3,382 |
| Ferguson | $3,572 |
| Fertile | $3,433 |
| Floris | $3,325 |
| Floyd | $3,411 |
| Fonda | $3,889 |
| Fontanelle | $3,953 |
| Forest City | $3,476 |
| Fort Atkinson | $3,327 |
| Fort Dodge | $3,786 |
| Fort Madison | $3,227 |
| Fostoria | $3,652 |
| Fredericksburg | $3,297 |
| Fremont | $3,385 |
| Fruitland | $3,452 |
| Galt | $3,553 |
| Galva | $3,836 |
| Garber | $3,307 |
| Garden City | $3,629 |
| Garden Grove | $3,726 |
| Garnavillo | $3,243 |
| Garner | $3,485 |
| Garrison | $3,537 |
| Garwin | $3,515 |
| George | $3,776 |
| Gibson | $3,401 |
| Gifford | $3,533 |
| Gilbert | $3,347 |
| Gilbertville | $3,374 |
| Gilman | $3,459 |
| Gilmore City | $3,778 |
| Gladbrook | $3,465 |
| Glenwood | $3,993 |
| Glidden | $3,777 |
| Goldfield | $3,577 |
| Goodell | $3,516 |
| Goose Lake | $3,094 |
| Gowrie | $3,689 |
| Graettinger | $3,763 |
| Grafton | $3,426 |
| Grand Junction | $3,576 |
| Grand Mound | $3,096 |
| Granger | $3,397 |
| Granville | $3,613 |
| Gravity | $4,132 |
| Gray | $3,683 |
| Greeley | $3,402 |
| Greene | $3,390 |
| Greenfield | $3,863 |
| Greenville | $3,801 |
| Grimes | $3,440 |
| Grinnell | $3,534 |
| Griswold | $4,010 |
| Grundy Center | $3,415 |
| Guernsey | $3,457 |
| Guthrie Center | $3,866 |
| Guttenberg | $3,304 |
| Halbur | $3,725 |
| Hamburg | $4,175 |
| Hamilton | $3,562 |
| Hamlin | $3,906 |
| Hampton | $3,441 |
| Hancock | $4,108 |
| Hanlontown | $3,375 |
| Harcourt | $3,683 |
| Hardy | $3,674 |
| Harlan | $3,873 |
| Harper | $3,422 |
| Harpers Ferry | $3,152 |
| Harris | $3,754 |
| Hartford | $3,564 |
| Hartley | $3,761 |
| Hartwick | $3,442 |
| Harvey | $3,448 |
| Hastings | $4,107 |
| Havelock | $3,767 |
| Haverhill | $3,580 |
| Hawarden | $3,673 |
| Hawkeye | $3,427 |
| Hayesville | $3,323 |
| Hazleton | $3,442 |
| Hedrick | $3,422 |
| Henderson | $4,115 |
| Hiawatha | $3,212 |
| Highlandville | $3,367 |
| Hills | $3,369 |
| Hillsboro | $3,286 |
| Hinton | $3,807 |
| Holland | $3,459 |
| Holstein | $3,925 |
| Holy Cross | $3,057 |
| Homestead | $3,371 |
| Honey Creek | $4,267 |
| Hopkinton | $3,348 |
| Hornick | $3,904 |
| Hospers | $3,674 |
| Houghton | $3,283 |
| Hubbard | $3,538 |
| Hudson | $3,370 |
| Hull | $3,648 |
| Humboldt | $3,695 |
| Humeston | $3,642 |
| Huxley | $3,374 |
| Ida Grove | $3,896 |
| Imogene | $4,117 |
| Independence | $3,382 |
| Indianola | $3,456 |
| Inwood | $3,691 |
| Ionia | $3,345 |
| Iowa City | $3,119 |
| Iowa Falls | $3,424 |
| Ira | $3,487 |
| Ireton | $3,586 |
| Irwin | $3,911 |
| Jamaica | $3,749 |
| Janesville | $3,299 |
| Jefferson | $3,596 |
| Jesup | $3,373 |
| Jewell | $3,579 |
| Johnston | $3,423 |
| Joice | $3,369 |
| Jolley | $3,932 |
| Kalona | $3,224 |
| Kamrar | $3,461 |
| Kanawha | $3,486 |
| Kellerton | $3,693 |
| Kelley | $3,290 |
| Kensett | $3,390 |
| Keokuk | $3,272 |
| Keosauqua | $3,374 |
| Keota | $3,359 |
| Kesley | $3,337 |
| Keswick | $3,364 |
| Keystone | $3,384 |
| Killduff | $3,403 |
| Kimballton | $3,823 |
| Kingsley | $3,874 |
| Kinross | $3,446 |
| Kirkman | $3,878 |
| Kirkville | $3,466 |
| Kiron | $3,800 |
| Klemme | $3,452 |
| Knierim | $3,872 |
| Knoxville | $3,460 |
| La Motte | $3,040 |
| La Porte City | $3,379 |
| Lacona | $3,439 |
| Ladora | $3,370 |
| Lake City | $3,857 |
| Lake Mills | $3,431 |
| Lake Park | $3,724 |
| Lake View | $3,884 |
| Lakota | $3,610 |
| Lamoni | $3,723 |
| Lamont | $3,392 |
| Lanesboro | $3,722 |
| Langworthy | $3,314 |
| Lansing | $3,133 |
| Larchwood | $3,707 |
| Larrabee | $3,648 |
| Latimer | $3,531 |
| Laurel | $3,422 |
| Laurens | $3,833 |
| Lawler | $3,327 |
| Lawton | $3,841 |
| Le Claire | $3,041 |
| Le Grand | $3,592 |
| Le Mars | $3,751 |
| Ledyard | $3,614 |
| Lehigh | $3,804 |
| Leighton | $3,474 |
| Leland | $3,497 |
| Lenox | $4,182 |
| Leon | $3,734 |
| Letts | $3,231 |
| Lewis | $4,015 |
| Liberty Center | $3,605 |
| Libertyville | $3,349 |
| Lidderdale | $3,721 |
| Lime Springs | $3,304 |
| Linden | $3,582 |
| Lineville | $3,489 |
| Linn Grove | $3,685 |
| Lisbon | $3,138 |
| Little Cedar | $3,361 |
| Little Rock | $3,673 |
| Little Sioux | $3,894 |
| Livermore | $3,754 |
| Logan | $4,088 |
| Lohrville | $3,808 |
| Lone Rock | $3,609 |
| Lone Tree | $3,179 |
| Long Grove | $3,033 |
| Lorimor | $3,779 |
| Lost Nation | $3,108 |
| Lovilia | $3,577 |
| Low Moor | $3,268 |
| Lowden | $3,178 |
| Lu Verne | $3,620 |
| Luana | $3,154 |
| Lucas | $3,561 |
| Luther | $3,469 |
| Luxemburg | $3,302 |
| Luzerne | $3,372 |
| Lynnville | $3,453 |
| Lytton | $3,903 |
| Macksburg | $3,676 |
| Madrid | $3,472 |
| Magnolia | $4,014 |
| Malcom | $3,381 |
| Mallard | $3,777 |
| Malvern | $4,112 |
| Manchester | $3,315 |
| Manilla | $3,856 |
| Manly | $3,442 |
| Manning | $3,835 |
| Manson | $3,881 |
| Mapleton | $4,037 |
| Maquoketa | $3,238 |
| Marathon | $3,715 |
| Marble Rock | $3,411 |
| Marcus | $3,693 |
| Marengo | $3,336 |
| Marion | $3,247 |
| Marne | $3,881 |
| Marquette | $3,258 |
| Marshalltown | $3,586 |
| Martelle | $3,297 |
| Martensdale | $3,568 |
| Martinsburg | $3,475 |
| Mason City | $3,393 |
| Masonville | $3,373 |
| Massena | $4,034 |
| Matlock | $3,642 |
| Maurice | $3,696 |
| Maxwell | $3,482 |
| Maynard | $3,419 |
| Mc Callsburg | $3,350 |
| Mc Causland | $3,334 |
| Mc Clelland | $4,198 |
| Mc Gregor | $3,219 |
| Mc Intire | $3,370 |
| Mechanicsville | $3,190 |
| Mediapolis | $3,261 |
| Melbourne | $3,461 |
| Melcher-Dallas | $3,443 |
| Melrose | $3,546 |
| Melvin | $3,800 |
| Menlo | $3,913 |
| Meriden | $3,665 |
| Merrill | $3,785 |
| Meservey | $3,533 |
| Middle | $3,360 |
| Middle Amana | $3,360 |
| Middletown | $3,197 |
| Miles | $3,158 |
| Milford | $3,685 |
| Millersburg | $3,469 |
| Millerton | $3,595 |
| Milo | $3,554 |
| Milton | $3,406 |
| Minburn | $3,512 |
| Minden | $4,115 |
| Mineola | $4,092 |
| Mingo | $3,365 |
| Missouri Valley | $4,123 |
| Mitchellville | $3,423 |
| Modale | $4,033 |
| Mondamin | $4,156 |
| Monmouth | $3,168 |
| Monona | $3,167 |
| Monroe | $3,424 |
| Montezuma | $3,357 |
| Monticello | $3,274 |
| Montour | $3,502 |
| Montpelier | $3,352 |
| Montrose | $3,315 |
| Moorhead | $4,019 |
| Moorland | $3,805 |
| Moravia | $3,482 |
| Morley | $3,314 |
| Morning Sun | $3,226 |
| Morrison | $3,394 |
| Moscow | $3,325 |
| Moulton | $3,360 |
| Mount Auburn | $3,511 |
| Mount Ayr | $3,819 |
| Mount Pleasant | $3,242 |
| Mount Sterling | $3,339 |
| Mount Union | $3,235 |
| Mount Vernon | $3,210 |
| Moville | $3,942 |
| Murray | $3,785 |
| Muscatine | $3,209 |
| Mystic | $3,436 |
| Nashua | $3,367 |
| Nemaha | $3,864 |
| Nevada | $3,297 |
| New Albin | $3,120 |
| New Hampton | $3,305 |
| New Hartford | $3,481 |
| New Liberty | $3,207 |
| New London | $3,263 |
| New Market | $4,188 |
| New Providence | $3,565 |
| New Sharon | $3,482 |
| New Vienna | $3,232 |
| New Virginia | $3,573 |
| Newell | $3,859 |
| Newhall | $3,403 |
| Newton | $3,409 |
| Nichols | $3,228 |
| Nodaway | $4,094 |
| Nora Springs | $3,400 |
| North Buena Vista | $3,308 |
| North English | $3,401 |
| North Liberty | $3,190 |
| North Washington | $3,279 |
| Northboro | $4,121 |
| Northwood | $3,436 |
| Norwalk | $3,521 |
| Norway | $3,315 |
| Oakland | $4,132 |
| Oakville | $3,219 |
| Odebolt | $3,917 |
| Oelwein | $3,314 |
| Ogden | $3,458 |
| Okoboji | $3,701 |
| Olds | $3,323 |
| Olin | $3,186 |
| Ollie | $3,398 |
| Onawa | $3,969 |
| Onslow | $3,267 |
| Oran | $3,460 |
| Orange City | $3,640 |
| Orchard | $3,344 |
| Orient | $3,933 |
| Osage | $3,321 |
| Osceola | $3,762 |
| Oskaloosa | $3,420 |
| Ossian | $3,312 |
| Otley | $3,430 |
| Oto | $3,939 |
| Ottosen | $3,740 |
| Ottumwa | $3,384 |
| Oxford | $3,175 |
| Oxford Junction | $3,230 |
| Oyens | $3,756 |
| Pacific Junction | $4,091 |
| Packwood | $3,353 |
| Palmer | $3,767 |
| Palo | $3,291 |
| Panama | $3,963 |
| Panora | $3,816 |
| Park View | $3,079 |
| Parkersburg | $3,554 |
| Parnell | $3,346 |
| Patterson | $3,683 |
| Paullina | $3,677 |
| Pella | $3,396 |
| Peosta | $3,215 |
| Percival | $4,178 |
| Perry | $3,575 |
| Persia | $4,054 |
| Peru | $3,604 |
| Pierson | $3,883 |
| Pilot Grove | $3,291 |
| Pilot Mound | $3,567 |
| Pisgah | $4,004 |
| Plainfield | $3,367 |
| Plano | $3,450 |
| Pleasant Hill | $3,396 |
| Pleasant Valley | $3,335 |
| Pleasantville | $3,444 |
| Plover | $3,833 |
| Plymouth | $3,357 |
| Pocahontas | $3,811 |
| Polk City | $3,300 |
| Pomeroy | $3,844 |
| Popejoy | $3,458 |
| Portsmouth | $4,040 |
| Postville | $3,164 |
| Prairie City | $3,426 |
| Prairieburg | $3,286 |
| Prescott | $4,030 |
| Preston | $3,161 |
| Primghar | $3,670 |
| Princeton | $3,019 |
| Prole | $3,588 |
| Promise City | $3,579 |
| Protivin | $3,350 |
| Pulaski | $3,475 |
| Quasqueton | $3,417 |
| Quimby | $3,745 |
| Radcliffe | $3,501 |
| Rake | $3,560 |
| Ralston | $3,759 |
| Randalia | $3,431 |
| Randall | $3,467 |
| Randolph | $4,287 |
| Raymond | $3,338 |
| Readlyn | $3,312 |
| Reasnor | $3,398 |
| Red Oak | $4,083 |
| Redding | $3,843 |
| Redfield | $3,560 |
| Reinbeck | $3,353 |
| Rembrandt | $3,687 |
| Remsen | $3,787 |
| Renwick | $3,698 |
| Rhodes | $3,444 |
| Riceville | $3,304 |
| Ricketts | $3,907 |
| Ridgeway | $3,330 |
| Ringsted | $3,614 |
| Rippey | $3,560 |
| Riverside | $3,224 |
| Riverton | $4,176 |
| Robins | $3,200 |
| Rock Falls | $3,356 |
| Rock Rapids | $3,631 |
| Rock Valley | $3,612 |
| Rockford | $3,353 |
| Rockwell | $3,393 |
| Rockwell City | $3,932 |
| Rodney | $3,900 |
| Roland | $3,337 |
| Rolfe | $3,833 |
| Rose Hill | $3,445 |
| Rowan | $3,537 |
| Rowley | $3,415 |
| Royal | $3,766 |
| Rudd | $3,383 |
| Runnells | $3,425 |
| Russell | $3,553 |
| Ruthven | $3,805 |
| Rutland | $3,745 |
| Ryan | $3,318 |
| Sabula | $3,148 |
| Sac City | $3,897 |
| Salem | $3,266 |
| Salix | $3,997 |
| Sanborn | $3,776 |
| Saylorville | $3,425 |
| Scarville | $3,494 |
| Schaller | $3,920 |
| Schleswig | $3,901 |
| Searsboro | $3,465 |
| Selma | $3,363 |
| Sergeant Bluff | $3,998 |
| Seymour | $3,547 |
| Shambaugh | $4,069 |
| Shannon City | $3,930 |
| Sharpsburg | $4,048 |
| Sheffield | $3,452 |
| Sheldahl | $3,474 |
| Sheldon | $3,713 |
| Shell Rock | $3,323 |
| Shellsburg | $3,415 |
| Shenandoah | $4,064 |
| Sherrill | $3,077 |
| Sibley | $3,875 |
| Sidney | $4,191 |
| Sigourney | $3,383 |
| Silver City | $4,062 |
| Sioux Center | $3,687 |
| Sioux City | $3,884 |
| Sioux Rapids | $3,724 |
| Slater | $3,370 |
| Smithland | $3,984 |
| Soldier | $3,866 |
| Solon | $3,129 |
| Somers | $3,855 |
| South Amana | $3,353 |
| South English | $3,446 |
| Spencer | $3,623 |
| Sperry | $3,220 |
| Spillville | $3,421 |
| Spirit Lake | $3,684 |
| Spragueville | $3,098 |
| Springbrook | $3,236 |
| Springville | $3,358 |
| St. Ansgar | $3,348 |
| St. Anthony | $3,536 |
| St. Charles | $3,559 |
| St. Donatus | $3,258 |
| St. Lucas | $3,476 |
| St. Marys | $3,505 |
| St. Olaf | $3,226 |
| St. Paul | $3,275 |
| Stanhope | $3,473 |
| Stanley | $3,412 |
| Stanton | $4,128 |
| Stanwood | $3,139 |
| Steamboat Rock | $3,531 |
| Stockport | $3,377 |
| Stockton | $3,228 |
| Storm Lake | $3,714 |
| Story City | $3,352 |
| Stout | $3,456 |
| Stratford | $3,495 |
| Strawberry Point | $3,365 |
| Stuart | $3,868 |
| Sully | $3,429 |
| Sumner | $3,330 |
| Superior | $3,695 |
| Sutherland | $3,686 |
| Swaledale | $3,471 |
| Swan | $3,425 |
| Swea City | $3,599 |
| Swedesburg | $3,281 |
| Swisher | $3,203 |
| Tabor | $4,242 |
| Tama | $3,460 |
| Teeds Grove | $3,160 |
| Templeton | $3,758 |
| Terril | $3,826 |
| Thayer | $3,772 |
| Thompson | $3,498 |
| Thor | $3,720 |
| Thornburg | $3,463 |
| Thornton | $3,457 |
| Thurman | $4,321 |
| Tiffin | $3,119 |
| Tingley | $3,801 |
| Tipton | $3,187 |
| Titonka | $3,587 |
| Toddville | $3,220 |
| Toeterville | $3,370 |
| Toledo | $3,544 |
| Tracy | $3,426 |
| Traer | $3,535 |
| Treynor | $4,148 |
| Tripoli | $3,315 |
| Troy Mills | $3,491 |
| Truesdale | $3,660 |
| Truro | $3,601 |
| Udell | $3,425 |
| Underwood | $4,164 |
| Unionville | $3,402 |
| University Heights | $3,080 |
| University Park | $3,532 |
| Urbana | $3,499 |
| Urbandale | $3,341 |
| Ute | $3,963 |
| Vail | $3,844 |
| Van Horne | $3,478 |
| Van Meter | $3,517 |
| Van Wert | $3,712 |
| Varina | $3,834 |
| Ventura | $3,357 |
| Victor | $3,394 |
| Villisca | $4,125 |
| Vincent | $3,714 |
| Vining | $3,512 |
| Vinton | $3,542 |
| Volga | $3,401 |
| Wadena | $3,402 |
| Walcott | $3,127 |
| Walford | $3,350 |
| Walker | $3,344 |
| Wall Lake | $3,922 |
| Wallingford | $3,862 |
| Walnut | $4,045 |
| Wapello | $3,210 |
| Washington | $3,296 |
| Washta | $3,699 |
| Waterloo | $3,355 |
| Waterville | $3,181 |
| Watkins | $3,379 |
| Waucoma | $3,370 |
| Waukee | $3,299 |
| Waukon | $3,122 |
| Waverly | $3,262 |
| Wayland | $3,294 |
| Webb | $3,763 |
| Webster | $3,399 |
| Webster City | $3,537 |
| Weldon | $3,678 |
| Wellman | $3,327 |
| Wellsburg | $3,394 |
| Welton | $3,299 |
| West Bend | $3,664 |
| West Branch | $3,142 |
| West Burlington | $3,192 |
| West Chester | $3,373 |
| West Des Moines | $3,434 |
| West Liberty | $3,219 |
| West Point | $3,283 |
| West Union | $3,290 |
| Westfield | $3,790 |
| Westgate | $3,382 |
| Westside | $3,787 |
| Wever | $3,287 |
| What Cheer | $3,408 |
| Wheatland | $3,097 |
| Whiting | $4,007 |
| Whittemore | $3,705 |
| Whitten | $3,546 |
| Williams | $3,477 |
| Williamsburg | $3,345 |
| Williamson | $3,552 |
| Wilton | $3,326 |
| Windsor Heights | $3,396 |
| Winfield | $3,245 |
| Winterset | $3,668 |
| Winthrop | $3,385 |
| Wiota | $3,908 |
| Woden | $3,450 |
| Woodbine | $4,099 |
| Woodburn | $3,665 |
| Woodward | $3,484 |
| Woolstock | $3,562 |
| Worthington | $3,249 |
| Yale | $3,795 |
| Yarmouth | $3,252 |
| Yorktown | $4,200 |
| Zearing | $3,402 |
| Zwingle | $3,172 |
Current state of homeowners insurance in Iowa
Iowa homeowners have seen some of the country’s steepest insurance rate increases in recent years. Rates rose 90.9% from 2020 through 2025, nearly twice the 47.9% increase nationwide. The largest jump came in 2024, when rates climbed 26.4%, followed by another 14.5% increase in 2025. LendingTree’s state of home insurance report points to severe storms and Iowa’s high number of wind-related claims as key contributors.
The age of Iowa’s homes may also affect insurance costs for residents. Homes in the state are 47 years old, on average, which means some may have older roofs, plumbing or electrical systems that are more expensive to repair or replace. Updates and renovations can help reduce some of the risks that come with an older home.
Rising insurance costs can affect more than a homeowner’s monthly budget. A May 2026 poll found that 51% of homeowners in Iowa, Nebraska and Kansas worried that insurance costs could make it harder to keep, sell or improve their homes. Three-quarters were concerned about rising premiums, while 26% said they’ve had to put off other purchases because of rising insurance costs.
How to compare homeowners insurance in Iowa
With Iowa’s risk of hail, tornadoes and strong windstorms, the cheapest home insurance policy isn’t always the best deal. As you compare quotes, consider:
- Coverage limits: Make sure you have enough coverage to rebuild your home at current construction costs.
- Deductibles: A higher deductible can lower your rate, but make sure you could afford the additional out-of-pocket expense after a claim. Check for a separate wind or hail deductible, too.
- Exclusions: Standard homeowners insurance typically doesn’t cover flooding or earthquakes. Consider flood insurance if your home is at risk.
- Add-ons: You may need extra coverage for high-value belongings, water backup or repairs that bring an older home up to current building codes.
- Roof coverage: Check whether your roof is covered at replacement cost or actual cash value (ACV), which factors in its age and depreciation and subtracts that from the replacement cost. ACV might cost less per month, but in the long term, replacement cost offers better financial protection.
If you own one or more vehicles, consider bundling your home and auto insurance. Many insurers offer discounts when you buy both policies from the same company.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Iowa law doesn’t require homeowners insurance, but a mortgage lender will almost always require it. Even without a mortgage, home insurance coverage can protect you from major financial losses if your home or belongings are damaged.
Iowa’s vulnerability to hail, tornadoes and severe windstorms has led to costly insurance claims. Rates increased nearly 91% from 2020 through 2025, with severe-weather losses and rising repair costs contributing to higher rates.
Iowa’s FAIR (Fair Access to Insurance Requirements) plan provides basic property insurance to homeowners who can’t find coverage through the standard insurance market. The plan acts as an insurer of last resort. FAIR plan policies protect against fire, lightning, wind and hail but typically offer much less coverage than standard home insurance.
Standard homeowners insurance typically covers tornado damage. However, it’s important to review your policy to confirm your coverage and deductible.
Most homeowners insurance policies don’t cover flood damage. Iowa homeowners who want flood protection can buy a separate policy through the National Flood Insurance Program or from a private insurer.
Methodology
How we chose the best homeowners insurance in Iowa
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Iowa ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
**USAA is only available to current and former members of the military and their families.