Home Insurance in Guthrie County, Iowa
Homes in Guthrie County carry a median value of $180,100 - 13% lower than the Iowa median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Guthrie County was built around 1968. About 45% of homes were built before 1960, about 7 points above Iowa's 38%.
Housing in Guthrie County breaks down to 92% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Guthrie County, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Guthrie County has an owner-occupancy rate of 84% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Guthrie County - 51% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Guthrie County, per FEMA's National Risk Index, are tornado (Relatively Low), hail (Relatively Low) and strong wind (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Guthrie County has 18 active NFIP flood policies on file.
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 | $180,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Low), Hail (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 18 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Casey
- Median home value: $96,600
- Median year built: 1939 or earlier
- Owner-occupied share: 72%
-
Menlo
- Median home value: $107,100
- Median year built: 1939 or earlier
- Owner-occupied share: 89%
Sources
- 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)