Home Insurance in Ottosen, Iowa
The median home value in Ottosen is $50,000, 68% lower than the Humboldt County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Ottosen was built in 1939 or earlier. About 88% of homes were built before 1960, about 39 points above Humboldt County's 49%.
In Ottosen, the housing stock is 100% single-family homes.
Almost no owner-occupied homes in Ottosen carry a mortgage.
Ottosen has an owner-occupancy rate of 88% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
Most homes in Ottosen - 88% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Humboldt County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Humboldt County had 13 active NFIP flood policies as of September 2026. See the full Humboldt 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 | $50,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Humboldt County | 13 |
| 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)