Home Insurance in Everly, Iowa
With a median home value of $112,000, Everly is 37% lower than the Clay County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Everly was built around 1954. About 59% of homes were built before 1960, about 16 points above Clay County's 43%.
In Everly, the housing stock is 89% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 65% of owner-occupied homes in Everly have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Everly are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Everly, 85% of homes are primarily heated with natural gas.
FEMA rates Clay County's overall risk as Very Low, led by hail (Relatively Moderate). Clay County had 77 active NFIP flood policies as of September 2026. See the full Clay 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 | $112,000 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Clay County | 77 |
| 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)