Home Insurance in Schaller, Iowa
With a median home value of $71,500, Schaller is 49% lower than the Sac County median.
The typical home in Schaller was built around 1941. About 69% of homes were built before 1960, about 15 points above Sac County's 54%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Schaller, the housing stock is 96% single-family homes and 1% apartments in buildings with 5+ units.
In Schaller, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Schaller are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
74% of homes in Schaller 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 | $71,500 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)