Home Insurance in Sheldahl, Iowa
The median home value in Sheldahl is $184,700, 29% lower than the Story County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sheldahl was built around 1973. About 33% of homes were built before 1960, about 10 points above Story County's 23%.
In Sheldahl, the housing stock is 93% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
71% of owner-occupied homes in Sheldahl carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sheldahl has an owner-occupancy rate of 93% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Sheldahl - 78% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Story County's overall risk as Relatively Low, led by tornado (Relatively High). 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.
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 | $184,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)