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Home insurance & flood costs in ZIP 50021 (Ankeny, IA)

Plain facts for homeowners in Ankeny: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 50021 at a glance

Four numbers most homeowners ask about first.

$1,586
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$989
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.77%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

6.4%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 50021 in numbers
$13,676
average paid claim (2022)
+12%
premium change 2018–2022, after inflation
0.73%
cancelled by insurers mid-term (2022)
38
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 50021 was $1,586 in 2022, about the same as the Polk County typical ZIP ($1,579) and about the same as the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 12% between 2018 and 2022. About 6.4% of policies here had a paid claim in 2022, and insurers chose not to renew 0.77% of policies.

Polk County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 50021PolkU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 50021 in 2025 cost $989, based on 38 policies, compared with $709 in 2022. About 29% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

38 policies
A zones 29%X/B/C zones 71%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Polk County

The chart shows the share of homeowners policies in ZIP 50021 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Polk County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Strong wind99 · Very High
  • Tornado98 · Relatively High
  • Hail98 · Relatively High
  • Heat wave97 · Relatively High
  • Drought95 · Relatively High

Other ZIP codes in Polk County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 18; see the county page for all.

50009 Altoona · $1,50350023 Ankeny · $1,54050035 Bondurant · $1,55750111 Grimes · $1,55250131 Johnston · $1,82250226 Polk City · $1,68450265 West Des Moines · $1,67650310 Des Moines · $1,35350311 Des Moines · $1,48450312 Des Moines · $1,96250313 Des Moines · $1,37650315 Des Moines · $1,316

Practical next steps

Simple things homeowners in ZIP 50021 can do with this information.

Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Have a shelter plan. Know where your safe room or interior shelter is, and keep an up-to-date photo or video inventory of your belongings to make any claim simpler.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.