Home Insurance in Oyens, Iowa
With a median home value of $155,000, Oyens is 32% lower than the Plymouth County median.
The typical home in Oyens was built around 1953. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 55% of homes were built before 1960, about 15 points above Plymouth County's 39%.
Housing in Oyens breaks down to 100% single-family homes.
In Oyens, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 90% of occupied homes in Oyens are owner-occupied.
Most homes in Oyens - 61% - 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.
FEMA rates Plymouth County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
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 | $155,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)