Home Insurance in Leland, Iowa
With a median home value of $92,900, Leland is 31% lower than the Winnebago County median.
The typical home in Leland was built around 1957. About 54% of homes were built before 1960, about 7 points above Winnebago County's 48%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Leland, the housing stock is 79% single-family homes. The rest are 2-4 unit or other housing types.
43% of owner-occupied homes in Leland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Leland has an owner-occupancy rate of 72% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Leland, 94% of homes are primarily heated with natural gas.
Winnebago County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Winnebago 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 | $92,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Winnebago County | 1 |
| 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)