Home Insurance in Redfield, Iowa
With a median home value of $142,800, Redfield is 60% lower than the Dallas County median.
The typical home in Redfield was built around 1948. About 60% of homes were built before 1960, about 47 points above Dallas County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Redfield breaks down to 94% single-family homes and 2% mobile or manufactured homes.
In Redfield, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Redfield are owner-occupied.
Most homes in Redfield - 85% - are primarily heated with natural gas.
What's the biggest home insurance risk near Redfield? FEMA's National Risk Index points to tornado (Relatively Moderate) in Dallas County and Dallas County had 91 active NFIP flood policies as of September 2026. See the full Dallas County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $142,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Dallas County | 91 |
| 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)