ZIP 50585 Insurance Data

Data Snapshot: ZIP 50585 (Sioux Rapids, IA)

ZIP 50585 (Sioux Rapids, IA) shows an average homeowners insurance premium of $1,734 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 7 reported policies. That is 2% below the national average of $1,776 per year, placing this ZIP in the 62th percentile nationally. Compared to the Iowa state average of $1,629, this ZIP runs 6% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 1.06% in this ZIP, a drop of 8.5% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 50585 have risen by 19.4%, ranging from $1,452 to $1,741 with a five-year average of $1,610 — an annualized rate of +4.5% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.