Home Insurance in Rock Falls, Iowa
The median home value in Rock Falls is $156,300, 6% lower than the Cerro Gordo County median.
The typical home in Rock Falls was built around 1953. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 5 points above Cerro Gordo County's 52%.
The housing stock in Rock Falls is 100% single-family homes.
In Rock Falls, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rock Falls has an owner-occupancy rate of 96% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Rock Falls, 94% of homes are primarily heated with propane.
Cerro Gordo County had 93 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). 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 | $156,300 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)