Home Insurance in Rudd, Iowa
With a median home value of $111,600, Rudd is 22% lower than the Floyd County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rudd was built around 1948. About 59% of homes were built before 1960, about 6 points above Floyd County's 53%.
The housing stock in Rudd is 87% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Rudd have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Rudd are owner-occupied.
Most homes in Rudd - 70% - 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 | $111,600 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Floyd County | 98 |
| 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)