Home Insurance in Eagle Grove, Iowa
With a median home value of $104,600, Eagle Grove is 13% lower than the Wright County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Eagle Grove was built around 1952. About 68% of homes were built before 1960, about 18 points above Wright County's 50%.
In Eagle Grove, the housing stock is 89% single-family homes and 7% apartments in buildings with 5+ units.
About 52% of owner-occupied homes in Eagle Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Eagle Grove are owner-occupied.
In Eagle Grove, 87% of homes are primarily heated with natural gas.
Wright County had 19 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Wright 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 | $104,600 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Wright County | 19 |
| 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)