Home Insurance in Holland, Iowa
With a median home value of $125,000, Holland is 37% lower than the Grundy County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Holland was built around 1953. About 62% of homes were built before 1960, about 14 points above Grundy County's 48%.
Housing in Holland breaks down to 97% single-family homes.
About 75% of owner-occupied homes in Holland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Holland has an owner-occupancy rate of 83% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Holland - 95% - are primarily heated with natural gas.
Grundy County had 4 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Grundy County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $125,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Grundy County | 4 |
| 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)