Home Insurance in Fostoria, Iowa
Homes in Fostoria carry a median value of $161,800 - 9% lower than the Clay County median.
The typical home in Fostoria was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 55% of homes were built before 1960, about 12 points above Clay County's 43%.
In Fostoria, the housing stock is 96% single-family homes and 4% apartments in buildings with 5+ units.
In Fostoria, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fostoria has an owner-occupancy rate of 88% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Fostoria, 82% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Fostoria? FEMA's National Risk Index points to hail (Relatively Moderate) in Clay County and 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 | $161,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)