Home Insurance in Rodman, Iowa
The median home in Rodman was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 82% of homes were built before 1960, about 29 points above Palo Alto County's 53%.
Housing in Rodman breaks down to 100% single-family homes.
In Rodman, about 6% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Rodman are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Rodman - 94% - are primarily heated with propane.
Palo Alto County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Palo Alto County had 16 active NFIP flood policies as of September 2026. See the full Palo Alto 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 6% |
| 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)