Home Insurance in Huxley, Iowa
Homes in Huxley carry a median value of $297,100 - 15% higher than the Story County median.
The typical home in Huxley was built around 2000. About 9% of homes were built before 1960, about 14 points below Story County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Huxley is 82% single-family homes, 7% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in Huxley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Huxley are owner-occupied.
68% of homes in Huxley are primarily heated with natural gas.
Story County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Story County had 149 active NFIP flood policies as of September 2026. See the full Story 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 | $297,100 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Story County | 149 |
| 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)