Home Insurance in Humeston, Iowa
Homes in Humeston carry a median value of $83,100 - 25% lower than the Wayne County median.
The typical home in Humeston was built around 1972. About 38% of homes were built before 1960, about 6 points below Wayne County's 44%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Humeston is 78% single-family homes and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Humeston, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Humeston are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Humeston, 66% of homes are primarily heated with propane.
FEMA rates Wayne County's overall risk as Very Low, led by tornado (Relatively Low). Wayne County has no active NFIP flood policies on file. See the full Wayne County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $83,100 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Tornado (Relatively Low) |
| 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)