Home Insurance in Blencoe, Iowa
The median home value in Blencoe is $87,500, 39% lower than the Monona County median.
The typical home in Blencoe was built around 1942. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 60% of homes were built before 1960, about 6 points above Monona County's 54%.
In Blencoe, the housing stock is 97% single-family homes and 2% mobile or manufactured homes.
About 41% of owner-occupied homes in Blencoe have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Blencoe has an owner-occupancy rate of 70% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
65% of homes in Blencoe are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Monona County's overall risk as Very Low, led by hail (Relatively Moderate). Monona County had 38 active NFIP flood policies as of September 2026. See the full Monona 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 | $87,500 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Monona County | 38 |
| 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)