Home Insurance in Paullina, Iowa
With a median home value of $132,600, Paullina is 23% lower than the O'Brien County median.
The typical home in Paullina was built around 1951. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 67% of homes were built before 1960, about 15 points above O'Brien County's 52%.
Housing in Paullina breaks down to 88% single-family homes and 8% apartments in buildings with 5+ units.
38% of owner-occupied homes in Paullina carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Paullina are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Paullina - 89% - are primarily heated with natural gas.
What's the biggest home insurance risk near Paullina? FEMA's National Risk Index points to hail (Relatively Moderate) in O'Brien County and O'Brien County had 1 active NFIP flood policy as of September 2026. See the full O'Brien 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 | $132,600 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in O'Brien County | 1 |
| 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)