Home Insurance in Fertile, Iowa
With a median home value of $143,800, Fertile is close to the Worth County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Fertile was built around 1943. About 70% of homes were built before 1960, about 9 points above Worth County's 61%.
The housing stock in Fertile is 96% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
41% of owner-occupied homes in Fertile carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Fertile are owner-occupied.
In Fertile, 92% of homes are primarily heated with natural gas.
FEMA rates Worth County's overall risk as Very Low, led by winter weather (Relatively Low). Worth County had 5 active NFIP flood policies as of September 2026. See the full Worth 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 | $143,800 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Worth County | 5 |
| 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)