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Iowa FAIR Plan Association

Iowa FAIR Plan Association · Nonprofit program

Basic property insurance for homeowners who cannot get voluntary-market coverage

The Iowa FAIR Plan provides basic property insurance when homeowners cannot get coverage in the voluntary market. It is insurance availability, not a home-hardening grant or rebate.

Last verified: July 28, 2026
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Program details

How it works

The Iowa Insurance Division says the Iowa FAIR Plan Association may provide basic property insurance to qualified applicants who are not eligible for insurance in the voluntary market. Applications for coverage must be submitted by a licensed Iowa insurance agent.

What the money covers

The plan is basic property insurance, not a retrofit or mitigation payment. The Insurance Division notes that FAIR Plan policies cover fire, lightning, wind, and hail, but with less coverage than most voluntary-market policies.

Amounts and matching

No cash amount, match, or reimbursement amount is stated on the official page.

How to apply

A licensed Iowa insurance agent must submit the application.

Timing and deadlines

This is an ongoing market-access program for consumers who cannot obtain voluntary-market coverage.

Full eligibility details

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