Home Insurance in Le Grand, Iowa
Homes in Le Grand carry a median value of $145,700 - close to the Marshall County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Le Grand was built around 1974. About 28% of homes were built before 1960, about 25 points below Marshall County's 53%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Le Grand is 87% single-family homes and 8% mobile or manufactured homes.
58% of owner-occupied homes in Le Grand carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Le Grand are owner-occupied.
In Le Grand, 80% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Le Grand? FEMA's National Risk Index points to strong wind (Relatively High) in Marshall County and Marshall County had 28 active NFIP flood policies as of September 2026. See the full Marshall 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 | $145,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Marshall County | 28 |
| 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)