Home Insurance in Charter Oak, Iowa
The median home value in Charter Oak is $77,700, 49% lower than the Crawford County median.
The median home in Charter Oak was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 63% of homes were built before 1960, about 21 points above Crawford County's 42%.
The housing stock in Charter Oak is 100% single-family homes.
In Charter Oak, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Charter Oak are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
46% of homes in Charter Oak are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Crawford County had 21 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Crawford 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 | $77,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Crawford County | 21 |
| 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)