Home Insurance in Guthrie Center, Iowa
With a median home value of $123,800, Guthrie Center is 31% lower than the Guthrie County median.
The typical home in Guthrie Center was built around 1949. About 65% of homes were built before 1960, about 20 points above Guthrie County's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Guthrie Center is 84% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Guthrie Center, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Guthrie Center has an owner-occupancy rate of 77% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Guthrie Center, 81% of homes are primarily heated with natural gas.
Guthrie County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. 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.
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 | $123,800 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)