Home Insurance in Shenandoah, Iowa
Homes in Shenandoah carry a median value of $116,700 - 7% lower than the Page County median.
The typical home in Shenandoah was built around 1953. About 58% of homes were built before 1960, about 3 points above Page County's 56%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Shenandoah breaks down to 76% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Shenandoah, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 59% of occupied homes in Shenandoah are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
63% of homes in Shenandoah are primarily heated with natural gas.
What's the biggest home insurance risk near Shenandoah? 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.
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 | $116,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)