Home Insurance in Sioux Rapids, Iowa
The median home value in Sioux Rapids is $88,700, 44% lower than the Buena Vista County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sioux Rapids was built around 1957. About 53% of homes were built before 1960, about 8 points above Buena Vista County's 45%.
Housing in Sioux Rapids breaks down to 87% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
45% of owner-occupied homes in Sioux Rapids carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Sioux Rapids are owner-occupied.
67% of homes in Sioux Rapids are primarily heated with natural gas.
Buena Vista County had 23 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Buena Vista 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 home value | $88,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Buena Vista County | 23 |
| 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)