Home Insurance in Swea City, Iowa
Homes in Swea City carry a median value of $56,400 - 62% lower than the Kossuth County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Swea City was built around 1953. About 59% of homes were built before 1960, about 10 points above Kossuth County's 48%.
In Swea City, the housing stock is 83% single-family homes and 12% apartments in buildings with 5+ units.
About 15% of owner-occupied homes in Swea City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Swea City are owner-occupied.
In Swea City, 66% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Kossuth County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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 | $56,400 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 15% |
| 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)