How much you pay for homeowners insurance in Iowa depends on a myriad of factors and variables, including the type of home you own and when it was built, which city you live in, your credit rating, and past claims history. According to data collected by the NAIC, the average cost of homeowners insurance in Iowa works out to around $946 per year, putting it well below the national average of $1,211 and ranking it as the 36th most expensive state for homeowners insurance. While this may seem like Iowans are getting a pretty good deal on their homeowner's insurance, it's important to give some weight to the other factors insurance companies take into account when calculating your rates — such as where you live. In terms of location, insurance companies consider certain risks associated with a given place, including crime rates, population density, geography, and even distance to the nearest fire department. Overall, homeowners insurance in smaller, remote cities like Humboldt, Moville, and Sigourney tends to be slightly more expensive than in more developed cities like Cedar Rapids, Muscatine, and Davenport. Furthermore, how close you are to an area deemed a sinkhole risk can also play a part in calculating homeowners' insurance rates in Iowa. Regardless, the main factor that affects the price of your homeowner's insurance will always be the type of coverage you need, so there's no need to give too much thought about your location. In the same way, the type of coverage offered by an insurance company should influence your final decision more than the price they're quoting.