Home Insurance in Early, Iowa
The median home value in Early is $90,300, 36% lower than the Sac County median.
The typical home in Early was built around 1948. About 67% of homes were built before 1960, about 13 points above Sac County's 54%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Early is 85% single-family homes and 7% apartments in buildings with 5+ units.
In Early, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Early has an owner-occupancy rate of 69% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Early - 61% - are primarily heated with natural gas.
Sac County had 4 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Sac 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 | $90,300 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Sac County | 4 |
| 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)