Home Insurance in Sheldon, Iowa
Homes in Sheldon carry a median value of $192,700 - 11% higher than the O'Brien County median.
The typical home in Sheldon was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 40% of homes were built before 1960, about 12 points below O'Brien County's 52%.
The housing stock in Sheldon is 77% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Sheldon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sheldon has an owner-occupancy rate of 67% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
55% of homes in Sheldon are primarily heated with natural gas.
O'Brien County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $192,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)