Home Insurance in Rolfe, Iowa
The median home value in Rolfe is $48,500, 51% lower than the Pocahontas County median.
The typical home in Rolfe was built around 1948. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 63% of homes were built before 1960, in line with Pocahontas County (62%).
The housing stock in Rolfe is 87% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 43% of owner-occupied homes in Rolfe have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Rolfe are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
88% of homes in Rolfe are primarily heated with natural gas.
What's the biggest home insurance risk near Rolfe? FEMA's National Risk Index points to hail (Relatively Low) in Pocahontas County and 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.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $48,500 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)