Home Insurance in Massena, Iowa
The median home value in Massena is $101,000, 33% lower than the Cass County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Massena was built around 1966. About 38% of homes were built before 1960, about 16 points below Cass County's 55%.
Housing in Massena breaks down to 80% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 47% of owner-occupied homes in Massena have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Massena are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Massena - 74% - are primarily heated with natural gas.
Cass County had 26 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Cass 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 | $101,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cass County | 26 |
| 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)