Home Insurance in Dougherty, Iowa
Homes in Dougherty carry a median value of $50,000 - 70% lower than the Cerro Gordo County median.
The typical home in Dougherty was built around 1944. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 81% of homes were built before 1960, about 29 points above Cerro Gordo County's 52%.
The housing stock in Dougherty is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in Dougherty carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Dougherty are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in Dougherty are primarily heated with propane. Homes heated with propane and wood 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 Dougherty? FEMA's National Risk Index points to tornado (Relatively Moderate) in Cerro Gordo County and Cerro Gordo County had 93 active NFIP flood policies as of September 2026. See the full Cerro Gordo 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 | $50,000 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Cerro Gordo County | 93 |
| 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)