Home Insurance in Wallingford, Iowa
Homes in Wallingford carry a median value of $63,600 - 44% lower than the Emmet County median.
The typical home in Wallingford was built around 1945. About 84% of homes were built before 1960, about 26 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.
The housing stock in Wallingford is 98% single-family homes and 2% mobile or manufactured homes.
In Wallingford, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 94% of occupied homes in Wallingford are owner-occupied.
In Wallingford, 84% of homes are primarily heated with natural gas.
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.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $63,600 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)