Home Insurance in Redding, Iowa
The median home in Redding was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 93% of homes were built before 1960, about 51 points above Ringgold County's 42%.
In Redding, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
6% of owner-occupied homes in Redding carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Redding are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 97% of homes in Redding are primarily heated with propane.
Ringgold County has no active NFIP flood policies on file. Its top FEMA-rated hazard is hail (Relatively Low). See the full Ringgold 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 6% |
| 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)