Home Insurance in Chariton, Iowa
The median home value in Chariton is $81,900, 32% lower than the Lucas County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Chariton was built around 1955. About 54% of homes were built before 1960, about 6 points above Lucas County's 48%.
In Chariton, the housing stock is 74% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Chariton, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Chariton has an owner-occupancy rate of 64% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Chariton, 60% of homes are primarily heated with natural gas.
FEMA rates Lucas County's overall risk as Very Low, led by hail (Relatively Low). Lucas County had 2 active NFIP flood policies as of September 2026. See the full Lucas 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 | $81,900 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Lucas County | 2 |
| 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)