Home Insurance in Rockwell, Iowa
Homes in Rockwell carry a median value of $163,300 - close to the Cerro Gordo County median.
The typical home in Rockwell was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 42% of homes were built before 1960, about 10 points below Cerro Gordo County's 52%.
In Rockwell, the housing stock is 83% single-family homes and 14% apartments in buildings with 5+ units.
About 41% of owner-occupied homes in Rockwell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rockwell has an owner-occupancy rate of 75% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Rockwell, 66% of homes are primarily heated with natural gas. Homes heated with propane 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 Rockwell? 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 | $163,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)