Home Insurance in Kimballton, Iowa
With a median home value of $107,100, Kimballton is 12% lower than the Audubon County median.
The median home in Kimballton was built in 1939 or earlier. About 82% of homes were built before 1960, about 18 points above Audubon County's 64%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Kimballton is 92% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
64% of owner-occupied homes in Kimballton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kimballton has an owner-occupancy rate of 71% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
73% of homes in Kimballton are primarily heated with natural gas.
FEMA rates Audubon County's overall risk as Very Low, led by hail (Relatively Low). Audubon County had 4 active NFIP flood policies as of September 2026. See the full Audubon County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $107,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Audubon County | 4 |
| 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)