Calvert & Johnson Insurance Services Inc
148 N 9th St, Fort Dodge, IA 50501
View this agency's profile to learn more about their services.
Loading...
City directory
Fort Dodge households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
148 N 9th St, Fort Dodge, IA 50501
View this agency's profile to learn more about their services.
1422 Central Ave, Fort Dodge, IA 50501
View this agency's profile to learn more about their services.
409 Kenyon Rd, Suite A, Fort Dodge, IA 50501
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Fort Dodge residents.
Fort Dodge home insurance costs, flood risks from Des Moines River, tornado coverage, and money-saving tips for Webster County homeowners in 2026.
Car InsuranceFort Dodge auto insurance guide: Iowa's 20/40/15 requirements, at-fault system, average costs ($170/mo), and why minimums may not be enough. Save in 2026.
General Insurance EducationFort Dodge insurance rates, flood risks, and coverage options. Learn about Iowa's requirements and protect your home near the Des Moines River.
No, standard home insurance policies do not cover flood damage. You need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private flood insurer. Given Fort Dodge's history of river flooding in 1993, 2010, and 2024, homeowners near the Des Moines River should seriously consider flood coverage.
Iowa home insurance costs averaged around $3,825 annually by the end of 2025, up 19% from 2024 due to severe weather claims. Fort Dodge rates vary based on your home's value, age, location, and chosen coverage limits. Homes near the river or with older roofs may pay higher premiums.
Yes, standard home insurance policies cover tornado damage, including wind damage to your roof, walls, and structure, as well as hail damage. Fort Dodge is in Iowa's tornado alley, so this coverage is essential. Make sure your dwelling coverage limit is high enough to rebuild your home completely if it's destroyed.
Increase your deductible to $1,000 or higher, bundle your home and auto insurance for multi-policy discounts, and ask about discounts for security systems, smoke detectors, storm shutters, and newer roofs. Shopping quotes from at least three insurers helps you find the best rate for your specific situation.
Replacement cost coverage is almost always better because it pays to replace damaged items at current prices without deducting for depreciation. Actual cash value coverage factors in depreciation, meaning you'll get less money to rebuild or replace belongings. The premium difference is usually small compared to the benefit.
If your home is within a few blocks of the Des Moines River or in a designated flood zone, you need flood insurance. Fort Dodge has experienced three major floods since 1993, with the 2024 crest reaching the third-highest level on record. Even outside high-risk zones, consider flood coverage if you're in a low-lying area or have a basement.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network