Home Insurance in Castana, Iowa
Homes in Castana carry a median value of $74,400 - 48% lower than the Monona County median.
The typical home in Castana was built around 1947. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 58% of homes were built before 1960, about 3 points above Monona County's 54%.
The housing stock in Castana is 81% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Castana, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Castana has an owner-occupancy rate of 93% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
In Castana, 41% of homes 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.
What's the biggest home insurance risk near Castana? FEMA's National Risk Index points to hail (Relatively Moderate) in Monona County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $74,400 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)