Home Insurance in Hayesville, Iowa
Homes in Hayesville carry a median value of $69,000 - 42% lower than the Keokuk County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Hayesville was built in 1939 or earlier. About 59% of homes were built before 1960, about 2 points above Keokuk County's 57%.
In Hayesville, the housing stock is 100% single-family homes.
In Hayesville, about 13% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Hayesville are owner-occupied.
Most homes in Hayesville - 75% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Hayesville? FEMA's National Risk Index points to hail (Relatively Low) in Keokuk County and Keokuk County had 5 active NFIP flood policies as of September 2026. See the full Keokuk 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 | $69,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 13% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Keokuk County | 5 |
| 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)