Home Insurance in Shell Rock, Iowa
With a median home value of $163,100, Shell Rock is close to the Butler County median.
The typical home in Shell Rock was built around 1957. About 53% of homes were built before 1960, about 1 point above Butler County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Shell Rock, the housing stock is 87% single-family homes and 4% apartments in buildings with 5+ units.
In Shell Rock, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Shell Rock has an owner-occupancy rate of 85% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
70% of homes in Shell Rock are primarily heated with natural gas.
Butler County had 128 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Low). See the full Butler County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $163,100 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)