Home Insurance in Shambaugh, Iowa
The median home value in Shambaugh is $66,100, 47% lower than the Page County median.
The median home in Shambaugh was built in 1939 or earlier. About 59% of homes were built before 1960, about 3 points above Page County's 56%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Shambaugh is 88% single-family homes and 12% mobile or manufactured homes.
57% of owner-occupied homes in Shambaugh carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Shambaugh has an owner-occupancy rate of 86% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Shambaugh - 69% - 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.
What's the biggest home insurance risk near Shambaugh? FEMA's National Risk Index points to hail (Relatively Moderate) in Page County and Page County had 7 active NFIP flood policies as of September 2026. See the full Page 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 | $66,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Page County | 7 |
| 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)