Home Insurance in Ventura, Iowa
The median home value in Ventura is $389,500, 134% higher than the Cerro Gordo County median.
The typical home in Ventura was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 34% of homes were built before 1960, about 18 points below Cerro Gordo County's 52%.
Housing in Ventura breaks down to 83% single-family homes and 4% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
68% of owner-occupied homes in Ventura carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ventura has an owner-occupancy rate of 81% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Ventura - 90% - are primarily heated with natural gas.
Cerro Gordo County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $389,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)