Home Insurance in South English, Iowa
With a median home value of $97,000, South English is 18% lower than the Keokuk County median.
The typical home in South English was built around 1944. About 58% of homes were built before 1960, about 1 point above Keokuk County's 57%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in South English is 98% single-family homes and 2% mobile or manufactured homes.
39% of owner-occupied homes in South English carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
South English has an owner-occupancy rate of 89% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in South English - 72% - are primarily heated with natural gas.
What's the biggest home insurance risk near South English? 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.
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 | $97,000 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)