Home Insurance in Guernsey, Iowa
The median home value in Guernsey is $73,300, 65% lower than the Poweshiek County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Guernsey was built in 1939 or earlier. About 75% of homes were built before 1960, about 35 points above Poweshiek County's 40%.
The housing stock in Guernsey is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Guernsey have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Guernsey are owner-occupied.
Most homes in Guernsey - 82% - 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 Guernsey? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Poweshiek County and Poweshiek County had 11 active NFIP flood policies as of September 2026. See the full Poweshiek 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 | $73,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Poweshiek County | 11 |
| 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)