Home Insurance in Rhodes, Iowa
With a median home value of $98,000, Rhodes is 33% lower than the Marshall County median.
The median home in Rhodes was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 71% of homes were built before 1960, about 17 points above Marshall County's 53%.
The housing stock in Rhodes is 90% single-family homes and 3% mobile or manufactured homes.
About 63% of owner-occupied homes in Rhodes have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Rhodes are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 66% of homes in Rhodes are primarily heated with natural gas.
What's the biggest home insurance risk near Rhodes? 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 | $98,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)