Home Insurance in McClelland, Iowa
The median home value in McClelland is $182,800, 7% lower than the Pottawattamie County median.
The typical home in McClelland was built around 1957. About 55% of homes were built before 1960, about 12 points above Pottawattamie County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in McClelland is 88% single-family homes and 4% mobile or manufactured homes.
In McClelland, about 89% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 92% of occupied homes in McClelland are owner-occupied.
Most homes in McClelland - 80% - 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.
What's the biggest home insurance risk near McClelland? FEMA's National Risk Index points to hail (Relatively High) in Pottawattamie County and Pottawattamie County had 657 active NFIP flood policies as of September 2026. See the full Pottawattamie 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 | $182,800 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 89% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Pottawattamie County | 657 |
| 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)