Home Insurance in Yale, Iowa
With a median home value of $80,800, Yale is 55% lower than the Guthrie County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Yale was built in 1939 or earlier. About 58% of homes were built before 1960, about 13 points above Guthrie County's 45%.
Housing in Yale breaks down to 95% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Yale, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Yale has an owner-occupancy rate of 80% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Yale, 90% of homes are primarily heated with natural gas.
FEMA rates Guthrie County's overall risk as Very Low, led by tornado (Relatively Low). 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 | $80,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)