Home Insurance in Rodney, Iowa
The median home value in Rodney is $170,800, 20% higher than the Monona County median.
The median home in Rodney was built in 1939 or earlier. About 67% of homes were built before 1960, about 13 points above Monona County's 54%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Rodney is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Rodney, about 6% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Rodney are owner-occupied.
62% of homes in Rodney 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.
Monona County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $170,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 6% |
| 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)