HomeInsuranceQts

Home Insurance in Charles City, Iowa

With a median home value of $115,400, Charles City is 20% lower than the Floyd County median.

The typical home in Charles City was built around 1960. About 50% of homes were built before 1960, about 3 points below Floyd County's 53%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

In Charles City, the housing stock is 79% single-family homes and 11% apartments in buildings with 5+ units.

54% of owner-occupied homes in Charles City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Charles City are owner-occupied.

In Charles City, 73% of homes are primarily heated with natural gas.

FEMA rates Floyd County's overall risk as Relatively Low, led by hail (Relatively Moderate). Floyd County had 98 active NFIP flood policies as of September 2026. See the full Floyd 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$115,400
Median year built1960
Owner-occupied share68%
Share of owner-occupied homes with a mortgage54%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Floyd County98
Home insurance premium$1,342 - statewide average (NAIC, 2023 data)
Key home insurance figures for Charles City, IA

Nearby towns

Sources

Data last updated: 2026-09-29