Home Insurance in Hospers, Iowa
Homes in Hospers carry a median value of $155,300 - 38% lower than the Sioux County median.
The typical home in Hospers was built around 1958. About 53% of homes were built before 1960, about 21 points above Sioux County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Hospers breaks down to 89% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Hospers, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Hospers are owner-occupied.
In Hospers, 48% of homes are primarily heated with electricity.
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.
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 | $155,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)