Home Insurance in Curlew, Iowa
The median home value in Curlew is $58,000, 53% lower than the Palo Alto County median.
The typical home in Curlew was built around 1943. About 84% of homes were built before 1960, about 31 points above Palo Alto County's 53%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Curlew, the housing stock is 93% single-family homes.
In Curlew, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Curlew are owner-occupied.
Most homes in Curlew - 79% - 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.
Palo Alto County had 16 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Palo Alto County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $58,000 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Palo Alto County | 16 |
| 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)