Home Insurance in Ringgold County, Iowa
Homes in Ringgold County carry a median value of $156,200 - 25% lower than the Iowa median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ringgold County was built around 1973. About 42% of homes were built before 1960, about 4 points above Iowa's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ringgold County is 88% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 52% of owner-occupied homes in Ringgold County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Ringgold County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Ringgold County, 34% of homes are primarily heated with propane.
FEMA's National Risk Index lists hail (Relatively Low), strong wind (Relatively Low) and wildfire (Very Low) as the leading hazards for Ringgold County.
Ringgold County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $156,200 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Strong Wind (Relatively Low), Wildfire (Very Low) |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)