Home Insurance in Minden, Iowa
The median home value in Minden is $170,500, 13% lower than the Pottawattamie County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Minden was built around 1961. About 49% of homes were built before 1960, about 6 points above Pottawattamie County's 43%.
The housing stock in Minden is 93% single-family homes and 5% apartments in buildings with 5+ units.
In Minden, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Minden are owner-occupied.
80% of homes in Minden are primarily heated with natural gas.
Pottawattamie County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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 | $170,500 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)