Home Insurance in Lakota, Iowa
With a median home value of $49,000, Lakota is 67% lower than the Kossuth County median.
The typical home in Lakota was built around 1943. About 82% of homes were built before 1960, about 34 points above Kossuth County's 48%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lakota is 89% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 28% of owner-occupied homes in Lakota have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lakota has an owner-occupancy rate of 77% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lakota - 52% - are primarily heated with natural gas.
Kossuth County had 6 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Kossuth 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 | $49,000 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 77% |
| 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)