Home Insurance in Beaconsfield, Iowa
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Beaconsfield was built in 2021 or later. About 0% of homes were built before 1960, about 42 points below Ringgold County's 42%.
Housing in Beaconsfield breaks down to 100% single-family homes.
In Beaconsfield, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Beaconsfield are owner-occupied. The vacancy rate is 56%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in Beaconsfield are primarily heated with electricity. 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 Beaconsfield? FEMA's National Risk Index points to hail (Relatively Low) in Ringgold County and Ringgold County has no active NFIP flood policies on file. See the full Ringgold County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 2021 or later |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively Low) |
| 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)