Home Insurance in Chatsworth, Iowa
The typical home in Chatsworth was built around 1948. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 52% of homes were built before 1960, about 20 points above Sioux County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chatsworth is 65% single-family homes, 21% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
About 50% of owner-occupied homes in Chatsworth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 87% of occupied homes in Chatsworth are owner-occupied. The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Chatsworth are primarily heated with propane.
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.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median year built | 1948 |
|---|---|
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)