Home Insurance in Goodell, Iowa
Homes in Goodell carry a median value of $57,100 - 60% lower than the Hancock County median.
The median home in Goodell was built in 1939 or earlier. About 83% of homes were built before 1960, about 33 points above Hancock County's 50%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Goodell, the housing stock is 100% single-family homes.
54% of owner-occupied homes in Goodell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Goodell are owner-occupied.
93% of homes in Goodell are primarily heated with natural gas.
What's the biggest home insurance risk near Goodell? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Hancock County and Hancock County had 7 active NFIP flood policies as of September 2026. See the full Hancock 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 | $57,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Hancock County | 7 |
| 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)