Home Insurance in Melcher-Dallas, Iowa
Homes in Melcher-Dallas carry a median value of $99,800 - 57% lower than the Marion County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Melcher-Dallas was built around 1942. About 56% of homes were built before 1960, about 25 points above Marion County's 30%.
Housing in Melcher-Dallas breaks down to 92% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Melcher-Dallas, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Melcher-Dallas has an owner-occupancy rate of 79% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Melcher-Dallas, 78% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Melcher-Dallas? FEMA's National Risk Index points to tornado (Relatively Moderate) in Marion County and Marion County had 9 active NFIP flood policies as of September 2026. See the full Marion 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 | $99,800 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Marion County | 9 |
| 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)