Home Insurance in Sutherland, Iowa
The median home value in Sutherland is $101,200, 42% lower than the O'Brien County median.
The median home in Sutherland was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 73% of homes were built before 1960, about 21 points above O'Brien County's 52%.
In Sutherland, the housing stock is 87% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
41% of owner-occupied homes in Sutherland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sutherland has an owner-occupancy rate of 80% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Sutherland, 66% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Sutherland? 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 | $101,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)