Home Insurance in Kingsley, Iowa
With a median home value of $167,200, Kingsley is 27% lower than the Plymouth County median.
The typical home in Kingsley was built around 1970. About 43% of homes were built before 1960, about 3 points above Plymouth County's 39%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Kingsley, the housing stock is 93% single-family homes and 5% apartments in buildings with 5+ units.
54% of owner-occupied homes in Kingsley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Kingsley are owner-occupied.
55% of homes in Kingsley are primarily heated with natural gas.
What's the biggest home insurance risk near Kingsley? FEMA's National Risk Index points to hail (Relatively Moderate) in Plymouth County and Plymouth County had 26 active NFIP flood policies as of September 2026. See the full Plymouth 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 | $167,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Plymouth County | 26 |
| 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)