Home Insurance in Guttenberg, Iowa
The median home value in Guttenberg is $193,900, 15% higher than the Clayton County median.
The typical home in Guttenberg was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, in line with Clayton County (50%).
The housing stock in Guttenberg is 80% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Guttenberg, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Guttenberg has an owner-occupancy rate of 71% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
80% of homes in Guttenberg are primarily heated with natural gas.
What's the biggest home insurance risk near Guttenberg? FEMA's National Risk Index points to hail (Relatively Moderate) in Clayton County and Clayton County had 105 active NFIP flood policies as of September 2026. See the full Clayton 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 home value | $193,900 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Clayton County | 105 |
| 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)