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Counties With the Cheapest Homeowners Insurance in Iowa (2026)

Des Moines has the lowest homeowners insurance of any county in Iowa, at $1,811, followed by Mitchell and Cerro Gordo. Source: Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024. The full ranking of the top 25 counties is below.

Data updated 2024 - Source: Keys-Mulder escrow dataset (NBER WP 32579)

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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
RankCountyValue
1Des Moines$1,811
2Mitchell$1,845
3Cerro Gordo$1,870
4Franklin$1,917
5Marshall$1,960
6Wapello$1,971
7Dubuque$1,990
8Floyd$1,996
9Black Hawk$2,000
10Scott$2,006
11Muscatine$2,013
12Clinton$2,018
13Linn$2,041
14Clarke$2,055
15Winneshiek$2,073
16Allamakee$2,082
17Webster$2,083
18Fayette$2,098
19Worth$2,098
20Hancock$2,109
21Calhoun$2,112
22Chickasaw$2,133
23Emmet$2,153
24Jackson$2,158
25Mahaska$2,162

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.

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