Home Insurance in Boxholm, Iowa
Homes in Boxholm carry a median value of $86,500 - 59% lower than the Boone County median.
The median home in Boxholm was built in 1939 or earlier. About 78% of homes were built before 1960, about 28 points above Boone County's 50%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Boxholm is 95% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
37% of owner-occupied homes in Boxholm carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Boxholm are owner-occupied.
Most homes in Boxholm - 77% - are primarily heated with natural gas.
Boone County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Boone County had 33 active NFIP flood policies as of September 2026. See the full Boone 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 | $86,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Boone 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)