Home Insurance in Weldon, Iowa
The typical home in Weldon was built around 1943. About 80% of homes were built before 1960, about 40 points above Decatur County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Weldon is 100% single-family homes.
31% of owner-occupied homes in Weldon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Weldon has an owner-occupancy rate of 74% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Weldon - 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.
Decatur County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Very Low). See the full Decatur 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 year built | 1943 |
|---|---|
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Wildfire (Very Low) |
| 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)