Home Insurance in Aredale, Iowa
Homes in Aredale carry a median value of $63,100 - 62% lower than the Butler 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 Aredale was built around 1942. About 69% of homes were built before 1960, about 17 points above Butler County's 52%.
Housing in Aredale breaks down to 81% single-family homes. The rest are 2-4 unit or other housing types.
In Aredale, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Aredale has an owner-occupancy rate of 68% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Aredale - 68% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Butler County's overall risk as Very Low, led by winter weather (Relatively Low). Butler County had 128 active NFIP flood policies as of September 2026. See the full Butler 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 | $63,100 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Butler County | 128 |
| 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)