Home Insurance in Sigourney, Iowa
Homes in Sigourney carry a median value of $136,800 - 15% higher than the Keokuk 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 Sigourney was built around 1951. About 54% of homes were built before 1960, about 3 points below Keokuk County's 57%.
In Sigourney, the housing stock is 78% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 51% of owner-occupied homes in Sigourney have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Sigourney are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sigourney - 72% - are primarily heated with natural gas.
What's the biggest home insurance risk near Sigourney? 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 | $136,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)