Home Insurance in Rockwell City, Iowa
The median home value in Rockwell City is $88,500, 26% lower than the Calhoun County median.
The typical home in Rockwell City was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 58% of homes were built before 1960, about 7 points above Calhoun County's 52%.
The housing stock in Rockwell City is 84% single-family homes and 10% apartments in buildings with 5+ units.
About 46% of owner-occupied homes in Rockwell City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rockwell City has an owner-occupancy rate of 74% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
68% of homes in Rockwell City are primarily heated with natural gas.
What's the biggest home insurance risk near Rockwell City? 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 home value | $88,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)