Home Insurance in Harpers Ferry, Iowa
Homes in Harpers Ferry carry a median value of $174,200 - close to the Allamakee County median.
The typical home in Harpers Ferry was built around 1987. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 25 points below Allamakee County's 39%.
The housing stock in Harpers Ferry is 46% single-family homes, 5% apartments in buildings with 5+ units and 49% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Harpers Ferry carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Harpers Ferry has an owner-occupancy rate of 95% and a vacancy rate of 76%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Harpers Ferry - 72% - are primarily heated with propane.
FEMA rates Allamakee County's overall risk as Very Low, led by hail (Relatively Moderate). Allamakee County had 33 active NFIP flood policies as of September 2026. See the full Allamakee 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 | $174,200 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Allamakee County | 33 |
| 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)