Home Insurance in Ireton, Iowa
With a median home value of $156,600, Ireton is 37% lower than the Sioux County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ireton was built around 1962. About 47% of homes were built before 1960, about 15 points above Sioux County's 32%.
Housing in Ireton breaks down to 93% single-family homes.
In Ireton, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ireton has an owner-occupancy rate of 88% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
55% of homes in Ireton are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 home value | $156,600 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 88% |
| 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)