Home Insurance in Okoboji, Iowa
Homes in Okoboji carry a median value of $299,300 - 11% higher than the Dickinson County median.
The typical home in Okoboji was built around 1979. About 21% of homes were built before 1960, about 6 points below Dickinson County's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Okoboji is 49% single-family homes, 35% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 40% of owner-occupied homes in Okoboji have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Okoboji has an owner-occupancy rate of 68% and a vacancy rate of 60%; unoccupied homes typically need a different coverage form.
Most homes in Okoboji - 65% - are primarily heated with natural gas.
What's the biggest home insurance risk near Okoboji? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Dickinson County and Dickinson County had 29 active NFIP flood policies as of September 2026. See the full Dickinson 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 | $299,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Dickinson County | 29 |
| 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)