Home Insurance in Kellogg, Iowa
Homes in Kellogg carry a median value of $115,800 - 38% lower than the Jasper County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Kellogg was built around 1951. About 52% of homes were built before 1960, about 9 points above Jasper County's 43%.
Housing in Kellogg breaks down to 77% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 31% of owner-occupied homes in Kellogg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kellogg has an owner-occupancy rate of 62% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Kellogg - 69% - are primarily heated with natural gas.
What's the biggest home insurance risk near Kellogg? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Jasper County and Jasper County had 34 active NFIP flood policies as of September 2026. See the full Jasper 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 | $115,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Jasper County | 34 |
| 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)