Home Insurance in Sherrill, Iowa
Homes in Sherrill carry a median value of $211,800 - 11% lower than the Dubuque County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sherrill was built around 1960. About 50% of homes were built before 1960, about 13 points above Dubuque County's 37%.
Housing in Sherrill breaks down to 99% single-family homes.
50% of owner-occupied homes in Sherrill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Sherrill are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Sherrill - 62% - are primarily heated with propane.
Dubuque County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Dubuque County had 93 active NFIP flood policies as of September 2026. See the full Dubuque 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 | $211,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Dubuque County | 93 |
| 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)