Home Insurance in Sac City, Iowa
With a median home value of $136,000, Sac City is close to the Sac County median.
The typical home in Sac City was built around 1962. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 7 points below Sac County's 54%.
In Sac City, the housing stock is 75% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
37% of owner-occupied homes in Sac City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sac City has an owner-occupancy rate of 66% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Sac City, 70% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Sac City? FEMA's National Risk Index points to hail (Relatively Moderate) in Sac County and Sac County had 4 active NFIP flood policies as of September 2026. 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 | $136,000 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)