Home Insurance in Fenton, Iowa
The median home value in Fenton is $55,000, 63% lower than the Kossuth County median.
The typical home in Fenton was built around 1950. About 63% of homes were built before 1960, about 15 points above Kossuth County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Fenton breaks down to 100% single-family homes.
About 28% of owner-occupied homes in Fenton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 91% of occupied homes in Fenton are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fenton - 88% - are primarily heated with natural gas.
What's the biggest home insurance risk near Fenton? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Kossuth County and Kossuth County had 6 active NFIP flood policies as of September 2026. See the full Kossuth 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 | $55,000 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Kossuth County | 6 |
| 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)