Home Insurance in Matlock, Iowa
With a median home value of $95,000, Matlock is 62% lower than the Sioux County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Matlock was built in 1939 or earlier. About 89% of homes were built before 1960, about 56 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 Matlock is 97% single-family homes and 3% mobile or manufactured homes.
In Matlock, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Matlock has an owner-occupancy rate of 97% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Matlock - 75% - 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.
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.
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 | $95,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)