Home Insurance in St. Charles, Iowa
Homes in St. Charles carry a median value of $221,300 - 10% lower than the Madison County median.
The typical home in St. Charles was built around 1976. About 27% of homes were built before 1960, about 7 points below Madison County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In St. Charles, the housing stock is 84% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In St. Charles, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in St. Charles are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In St. Charles, 66% of homes are primarily heated with natural gas.
FEMA rates Madison County's overall risk as Very Low, led by hail (Relatively Low). Madison County had 6 active NFIP flood policies as of September 2026. See the full Madison 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 | $221,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Madison 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)