Home Insurance in Ashton, Iowa
With a median home value of $98,800, Ashton is 19% lower than the Osceola County median.
The typical home in Ashton was built around 1948. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 57% of homes were built before 1960, about 2 points below Osceola County's 59%.
The housing stock in Ashton is 96% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 48% of owner-occupied homes in Ashton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Ashton are owner-occupied.
60% of homes in Ashton are primarily heated with natural gas.
What's the biggest home insurance risk near Ashton? FEMA's National Risk Index points to hail (Relatively Moderate) in Osceola County and Osceola County had 6 active NFIP flood policies as of September 2026. See the full Osceola 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 | $98,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Osceola County | 6 |
| 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)