Home Insurance in Galva, Iowa
With a median home value of $80,400, Galva is 26% lower than the Ida County median.
The typical home in Galva was built around 1950. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 64% of homes were built before 1960, about 4 points above Ida County's 60%.
The housing stock in Galva is 88% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 40% of owner-occupied homes in Galva have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Galva are owner-occupied.
Most homes in Galva - 71% - are primarily heated with natural gas.
Ida County had 9 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Ida County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $80,400 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Ida County | 9 |
| 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)