Home Insurance in Lone Rock, Iowa
Homes in Lone Rock carry a median value of $63,600 - 57% lower than the Kossuth County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lone Rock was built around 1949. About 68% of homes were built before 1960, about 19 points above Kossuth County's 48%.
Housing in Lone Rock breaks down to 98% single-family homes.
In Lone Rock, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Lone Rock are owner-occupied.
92% of homes in Lone Rock are primarily heated with natural gas.
What's the biggest home insurance risk near Lone Rock? 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.
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 | $63,600 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)