Home Insurance in Quimby, Iowa
Homes in Quimby carry a median value of $62,100 - 61% lower than the Cherokee County median.
The typical home in Quimby was built around 1940. About 66% of homes were built before 1960, about 14 points above Cherokee County's 52%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Quimby breaks down to 98% single-family homes and 2% mobile or manufactured homes.
About 26% of owner-occupied homes in Quimby have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Quimby are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 76% of homes in Quimby are primarily heated with propane.
Cherokee County had 28 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Cherokee County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $62,100 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cherokee County | 28 |
| 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)