Home Insurance in Ocheyedan, Iowa
Homes in Ocheyedan carry a median value of $102,400 - 16% lower than the Osceola County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ocheyedan was built around 1949. About 73% of homes were built before 1960, about 14 points above Osceola County's 59%.
Housing in Ocheyedan breaks down to 90% single-family homes and 7% apartments in buildings with 5+ units.
53% of owner-occupied homes in Ocheyedan carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ocheyedan has an owner-occupancy rate of 88% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Ocheyedan - 68% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Osceola County had 6 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Osceola 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 | $102,400 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)