Home Insurance in Schleswig, Iowa
Homes in Schleswig carry a median value of $163,600 - 6% higher than the Crawford County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Schleswig was built around 1953. About 57% of homes were built before 1960, about 15 points above Crawford County's 42%.
Housing in Schleswig breaks down to 93% single-family homes and 4% apartments in buildings with 5+ units.
About 63% of owner-occupied homes in Schleswig have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Schleswig are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Schleswig - 56% - 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.
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 | $163,600 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)