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50581 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 50581? There are over 360 occupied homes in the 50581 area. With a population size of 833, it's not uncommon for residence of Rolfe, IA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Iowa is around $760 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 50581 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Rolfe, IA Home Insurance Rate Quotes

50581 Home Insurance Average Premiums

Local 50581 homeowners insurance quotes comparison

$510 /yr.

Shows Zip Code: 50581 lowest rates with discounts applied on average.

For the 50581, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$510 /yr.
Average Coverage:$760 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1060 /yr.

What is the average home insurance cost for a home in 50581?

  • • The average homeowners insurance premium paid annually for a home in 50581 is around $760 per year.

What does it cost on average per month for home insurance in 50581?

  • • Homeowners in 50581 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 50581?

  • • Autoowners in 50581 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Rolfe area, check out other zip codes nearby 50581.
Review average rates in another zip code:
50581 homeowners insurance rates

Home Replacement Cost Coverage in 50581

Average Building Cost Per Square Foot in 50581: $130

Location: Rolfe, Iowa (Pocahontas County)

Average Square Footage in 50581: 596 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 50581 before you start any project. Rolfe homeowners pay on average around $130 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 50581 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 50581 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 596 sq. ft. and the average cost to rebuild the home in this area is around $130 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Rolfe area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$130596$77,500
Additional Upgrades & Added Features$163596$96,875
Major Home Updates or Advancements$195596$116,250

It's important to understand that when you estimate your replacement cost of your home in the 50581 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 50581

Best Home & Auto Insurance Agencies in 50581

Housing Demographics for 50581

Population Review for 50581 Zip Code

For the city of Rolfe, the population within 50581 has increased to over 875 residents in population size. The current population total is 833. We have broken down the population based on race below. In 50581, there are over 414 in male population and 419 females.

PopulationValues
Total Population833
White Population773
Black Population12
Hispanic Population39
Asian Population1
Hawaiian Population0
Indian Population1
Other Population29
Male Population414
Female Population419
Population Estimate875

Household Data for 50581

The average number of homes in 50581 is around 360, there are an average of 2.31 per household. The average house value according to local real estate values is around $77,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode360
Persons Per Household2.31
Average House Value$77,500
Income Per Household$53583
Median Age46.8
Median Age Male43.2
Median Age Female51.8
50581 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code712
CityRolfe
City Alias NameROLFE
CountyPocahontas
County FIPS151
State FIPS19
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses25
Number Of Employees99
Business First Quarter Payroll841
Business Annual Payroll4096
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District04
Congressional LandArea22756.75
Delivery Residential379
Delivery Business10
Delivery Total400
Preferred Last Line KeyW11337
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW11337
Land Area95.767000
Water Area0.403000
City Alias Code
City Mixed CaseRolfe
City Alias Mixed CaseRolfe
Box Count5
SFDU376
MFDU3
State ANSI19
County ANSI151
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number187839
Unique ZIP Name
SSA State County Code16750
Medicare CBSA Code99916
Medicare CBSA NameRural Areas in IA
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CasePocahontas

Iowa Homeowners Insurance News & Information

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  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]