Home Insurance in Kellerton, Iowa
Homes in Kellerton carry a median value of $59,200 - 62% lower than the Ringgold County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kellerton was built around 1966. About 41% of homes were built before 1960, in line with Ringgold County (42%).
The housing stock in Kellerton is 55% single-family homes, 10% apartments in buildings with 5+ units and 18% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Kellerton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kellerton has an owner-occupancy rate of 55% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Kellerton, 60% of homes are primarily heated with electricity.
Ringgold County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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.
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 | $59,200 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)