Home Insurance in Truesdale, Iowa
The median home value in Truesdale is $35,800, 78% lower than the Buena Vista County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Truesdale was built around 1957. About 51% of homes were built before 1960, about 7 points above Buena Vista County's 45%.
In Truesdale, the housing stock is 88% single-family homes. The rest are 2-4 unit or other housing types.
In Truesdale, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 43% of occupied homes in Truesdale are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Truesdale, 92% of homes are primarily heated with propane.
FEMA rates Buena Vista County's overall risk as Very Low, led by hail (Relatively Moderate). Buena Vista County had 23 active NFIP flood policies as of September 2026. See the full Buena Vista County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $35,800 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)