Cedar Falls has 40,888 residents in 15,908 households. We list 8 insurance agencies in Cedar Falls. Here is what the local numbers say about the cover people here need.

Cedar Falls at a glance

8insurance agencies listed
36%of households rentRenters insurance
$263,600median home valueHome insurance
1975median year homes were builtRebuild cost calculator
6.1%of households have no carAuto insurance
3.5%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Black Hawk County

FEMA rates the overall natural hazard risk in Black Hawk County, where most Cedar Falls agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:

Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Iowa
Winter weatherRelatively High
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Iowa

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Iowa

Iowa requires drivers to carry at least $20,000 of bodily injury liability per person, $40,000 per accident and $15,000 of property damage liability, often written 20/40/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Iowa How much liability cover do you need?

Source: legis.iowa.gov. Checked 2026-10-24.

What Cedar Falls agencies can write

Share of the 8 agencies listed in Cedar Falls that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Questions

Insurance agencies in Cedar Falls

How do I find an insurance agency in Cedar Falls?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Cedar Falls?

FEMA's National Risk Index rates inland flooding risk in Black Hawk County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Cedar Falls?

36% of households in Cedar Falls rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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