Home Insurance in Struble, Iowa
With a median home value of $135,200, Struble is 41% lower than the Plymouth County median.
The typical home in Struble was built around 1943. About 70% of homes were built before 1960, about 30 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 Struble, the housing stock is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
71% of owner-occupied homes in Struble carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 94% of occupied homes in Struble are owner-occupied.
Most homes in Struble - 64% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Plymouth County had 26 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $135,200 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)