Home Insurance in Fonda, Iowa
The median home value in Fonda is $58,500, 40% lower than the Pocahontas County median.
The typical home in Fonda was built around 1941. About 71% of homes were built before 1960, about 9 points above Pocahontas County's 62%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Fonda is 78% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 25% of owner-occupied homes in Fonda have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fonda has an owner-occupancy rate of 69% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Fonda - 73% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Pocahontas County's overall risk as Very Low, led by hail (Relatively Low). Pocahontas County had 21 active NFIP flood policies as of September 2026. See the full Pocahontas 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 | $58,500 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Pocahontas County | 21 |
| 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)