Home Insurance in Lidderdale, Iowa
The median home value in Lidderdale is $123,400, 30% lower than the Carroll County median.
The typical home in Lidderdale was built around 1963. About 48% of homes were built before 1960, about 3 points above Carroll County's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lidderdale is 90% single-family homes and 4% apartments in buildings with 5+ units.
In Lidderdale, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Lidderdale are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lidderdale - 62% - 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.
Carroll County had 20 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Carroll 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 | $123,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Carroll County | 20 |
| 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)