Home Insurance in Blairstown, Iowa
Homes in Blairstown carry a median value of $175,000 - 16% lower than the Benton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Blairstown was built around 1960. About 51% of homes were built before 1960, about 4 points above Benton County's 46%.
In Blairstown, the housing stock is 86% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 57% of owner-occupied homes in Blairstown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Blairstown are owner-occupied.
In Blairstown, 68% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Blairstown? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Benton County and Benton County had 80 active NFIP flood policies as of September 2026. See the full Benton 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 | $175,000 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Benton County | 80 |
| 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)