Home Insurance in Boyden, Iowa
With a median home value of $177,700, Boyden is 29% lower than the Sioux County median.
The typical home in Boyden was built around 1965. About 41% of homes were built before 1960, about 9 points above Sioux County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Boyden breaks down to 91% single-family homes and 5% apartments in buildings with 5+ units.
In Boyden, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Boyden are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
67% of homes in Boyden are primarily heated with natural gas.
FEMA rates Sioux County's overall risk as Relatively Low, led by hail (Relatively High). Sioux County had 63 active NFIP flood policies as of September 2026. See the full Sioux 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 | $177,700 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Sioux County | 63 |
| 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)