Home Insurance in Stout, Iowa
Homes in Stout carry a median value of $125,800 - 37% lower than the Grundy County median.
The median home in Stout was built in 1939 or earlier. About 73% of homes were built before 1960, about 25 points above Grundy County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Stout, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
In Stout, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Stout are owner-occupied.
In Stout, 73% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Grundy County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Grundy County had 4 active NFIP flood policies as of September 2026. See the full Grundy 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 | $125,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)