Home Insurance in Wesley, Iowa
With a median home value of $95,000, Wesley is 36% lower than the Kossuth County median.
The typical home in Wesley was built around 1965. About 49% of homes were built before 1960, in line with Kossuth County (48%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Wesley breaks down to 89% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
45% of owner-occupied homes in Wesley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Wesley are owner-occupied.
Most homes in Wesley - 71% - 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.
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.
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 | $95,000 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)