Home Insurance in Stanley, Iowa
The median home in Stanley was built in 1939 or earlier. About 88% of homes were built before 1960, about 52 points above Buchanan County's 36%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Stanley, the housing stock is 94% single-family homes and 6% apartments in buildings with 5+ units.
About 48% of owner-occupied homes in Stanley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Stanley are owner-occupied.
Most homes in Stanley - 89% - are primarily heated with natural gas.
What's the biggest home insurance risk near Stanley? FEMA's National Risk Index points to hail (Relatively Moderate) in Buchanan County and Buchanan County had 77 active NFIP flood policies as of September 2026. See the full Buchanan County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Buchanan County | 77 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)