Home Insurance in Fredericksburg, Iowa
Homes in Fredericksburg carry a median value of $201,300 - 10% higher than the Chickasaw County median.
The typical home in Fredericksburg was built around 1972. About 39% of homes were built before 1960, about 6 points below Chickasaw County's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Fredericksburg, the housing stock is 87% single-family homes and 10% apartments in buildings with 5+ units.
In Fredericksburg, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fredericksburg has an owner-occupancy rate of 74% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
71% of homes in Fredericksburg are primarily heated with natural gas.
Chickasaw County had 40 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Chickasaw 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 | $201,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Chickasaw County | 40 |
| 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)