Home Insurance in Bagley, Iowa
With a median home value of $80,000, Bagley is 56% lower than the Guthrie County median.
The median home in Bagley was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 75% of homes were built before 1960, about 31 points above Guthrie County's 45%.
In Bagley, the housing stock is 89% single-family homes and 11% apartments in buildings with 5+ units.
About 33% of owner-occupied homes in Bagley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Bagley are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bagley - 73% - are primarily heated with natural gas.
What's the biggest home insurance risk near Bagley? FEMA's National Risk Index points to tornado (Relatively Low) in Guthrie County and Guthrie County had 18 active NFIP flood policies as of September 2026. See the full Guthrie 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 | $80,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Guthrie County | 18 |
| 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)