Home Insurance in St. Ansgar, Iowa
The median home value in St. Ansgar is $152,500, 13% lower than the Mitchell County median.
The typical home in St. Ansgar was built around 1953. About 57% of homes were built before 1960, about 4 points above Mitchell County's 52%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in St. Ansgar breaks down to 94% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 60% of owner-occupied homes in St. Ansgar have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in St. Ansgar are owner-occupied.
In St. Ansgar, 89% of homes are primarily heated with natural gas.
Mitchell County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Mitchell County had 12 active NFIP flood policies as of September 2026. See the full Mitchell 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 | $152,500 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Mitchell County | 12 |
| 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)