Home Insurance in Rossie, Iowa
The typical home in Rossie was built around 1957. About 53% of homes were built before 1960, about 10 points above Clay County's 43%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Rossie breaks down to 100% single-family homes.
About 25% of owner-occupied homes in Rossie have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Rossie are owner-occupied.
Most homes in Rossie - 98% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Clay County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median year built | 1957 |
|---|---|
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)