Home Insurance in Churdan, Iowa
With a median home value of $74,700, Churdan is 52% lower than the Greene County median.
The median home in Churdan was built in 1939 or earlier. About 71% of homes were built before 1960, about 14 points above Greene County's 57%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Churdan, the housing stock is 87% single-family homes, 6% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Churdan, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Churdan are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 77% of homes in Churdan are primarily heated with propane.
Greene County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Greene County had 2 active NFIP flood policies as of September 2026. See the full Greene 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 | $74,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Greene County | 2 |
| 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)