Home Insurance in Stanton, Iowa
Homes in Stanton carry a median value of $113,400 - 7% lower than the Montgomery County median.
The typical home in Stanton was built around 1954. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 6 points above Montgomery County's 51%.
Housing in Stanton breaks down to 93% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 50% of owner-occupied homes in Stanton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stanton has an owner-occupancy rate of 82% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Stanton, 65% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Montgomery County had 95 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Montgomery 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 | $113,400 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Montgomery County | 95 |
| 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)