Home Insurance in Dolliver, Iowa
With a median home value of $59,000, Dolliver is 48% lower than the Emmet County median.
The median home in Dolliver was built in 1939 or earlier. About 88% of homes were built before 1960, about 30 points above Emmet County's 58%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Dolliver, the housing stock is 100% single-family homes.
In Dolliver, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dolliver has an owner-occupancy rate of 98% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Dolliver - 75% - 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.
Emmet County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Emmet 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 | $59,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Emmet County | 1 |
| 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)