Home Insurance in Holstein, Iowa
Homes in Holstein carry a median value of $114,400 - 5% higher than the Ida County median.
The typical home in Holstein was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 9 points below Ida County's 60%.
Housing in Holstein breaks down to 90% single-family homes and 8% apartments in buildings with 5+ units.
About 53% of owner-occupied homes in Holstein have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Holstein has an owner-occupancy rate of 75% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
61% of homes in Holstein 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.
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 | $114,400 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)