Home Insurance in Ryan, Iowa
Homes in Ryan carry a median value of $155,400 - 13% lower than the Delaware County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ryan was built around 1957. About 55% of homes were built before 1960, about 11 points above Delaware County's 44%.
The housing stock in Ryan is 91% single-family homes.
About 54% of owner-occupied homes in Ryan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Ryan are owner-occupied.
In Ryan, 73% of homes are primarily heated with natural gas.
FEMA rates Delaware County's overall risk as Relatively Low, led by hail (Relatively Moderate). Delaware County had 83 active NFIP flood policies as of September 2026. See the full Delaware 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 | $155,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Delaware County | 83 |
| 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)