Home Insurance in Jolley, Iowa
The median home in Jolley was built in 1939 or earlier. About 100% of homes were built before 1960, about 48 points above Calhoun County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Jolley breaks down to 100% single-family homes.
Almost no owner-occupied homes in Jolley carry a mortgage.
All occupied homes in Jolley are owner-occupied. The vacancy rate is 57%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jolley, 78% of homes 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.
What's the biggest home insurance risk near Jolley? FEMA's National Risk Index points to hail (Relatively Moderate) in Calhoun County and Calhoun County had 3 active NFIP flood policies as of September 2026. See the full Calhoun 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 | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Calhoun County | 3 |
| 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)