Home Insurance in Earling, Iowa
With a median home value of $125,000, Earling is 24% lower than the Shelby County median.
The typical home in Earling was built around 1956. About 56% of homes were built before 1960, about 2 points below Shelby County's 59%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Earling, the housing stock is 96% single-family homes.
52% of owner-occupied homes in Earling carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Earling are owner-occupied.
In Earling, 67% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Earling? FEMA's National Risk Index points to hail (Relatively Moderate) in Shelby County and Shelby County had 31 active NFIP flood policies as of September 2026. See the full Shelby 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 | $125,000 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Shelby County | 31 |
| 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)