Home Insurance in Granville, Iowa
With a median home value of $162,500, Granville is 35% lower than the Sioux County median.
The typical home in Granville was built around 1973. About 36% of homes were built before 1960, about 4 points above Sioux County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Granville, the housing stock is 100% single-family homes.
In Granville, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Granville has an owner-occupancy rate of 86% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Granville, 61% of homes are primarily heated with natural gas.
Sioux County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $162,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)