Home Insurance in Castalia, Iowa
With a median home value of $97,500, Castalia is 62% lower than the Winneshiek County median.
The typical home in Castalia was built around 1945. About 56% of homes were built before 1960, about 7 points above Winneshiek County's 49%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Castalia is 87% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Castalia, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in Castalia are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Castalia, 97% of homes are primarily heated with propane.
What's the biggest home insurance risk near Castalia? FEMA's National Risk Index points to hail (Relatively Moderate) in Winneshiek County and Winneshiek County had 75 active NFIP flood policies as of September 2026. See the full Winneshiek 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 | $97,500 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Winneshiek County | 75 |
| 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)