Which county in Iowa has the lowest homeowners insurance?

Des Moines has the lowest homeowners insurance in Iowa, at $1,811.

What is the homeowners insurance in Des Moines?

Des Moines is ranked #1 in Iowa for homeowners insurance, at $1,811.

How is this homeowners insurance ranking calculated?

Counties in Iowa are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in Iowa (2026)

Full county table and CSV download: Home insurance by county in Iowa

Cheapest counties for homeowners insurance in Iowa

Top 25 of 99 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Iowa

Rank	County	Value
01	Des Moines$1,811 County page
02	Mitchell$1,845 County page
03	Cerro Gordo$1,870 County page
04	Franklin$1,917 County page
05	Marshall$1,960 County page
06	Wapello$1,971 County page
07	Dubuque$1,990 County page
08	Floyd$1,996 County page
09	Black Hawk$2,000 County page
10	Scott$2,006 County page
11	Muscatine$2,013 County page
12	Clinton$2,018 County page
13	Linn$2,041 County page
14	Clarke$2,055 County page
15	Winneshiek$2,073 County page
16	Allamakee$2,082 County page
17	Webster$2,083 County page
18	Fayette$2,098 County page
19	Worth$2,098 County page
20	Hancock$2,109 County page
21	Calhoun$2,112 County page
22	Chickasaw$2,133 County page
23	Emmet$2,153 County page
24	Jackson$2,158 County page
25	Mahaska$2,162 County page

How this ranking works

This page ranks Iowa counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

Frequently asked questions

Which county in Iowa has the lowest homeowners insurance?: Des Moines has the lowest homeowners insurance in Iowa, at $1,811.
What is the homeowners insurance in Des Moines?: Des Moines is ranked #1 in Iowa for homeowners insurance, at $1,811.
How is this homeowners insurance ranking calculated?: Counties in Iowa are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.