Home Insurance in Clarksville, Iowa
The median home value in Clarksville is $125,900, 24% lower than the Butler County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Clarksville was built around 1950. About 56% of homes were built before 1960, about 4 points above Butler County's 52%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clarksville is 88% single-family homes, 3% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 58% of owner-occupied homes in Clarksville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Clarksville are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Clarksville, 70% of homes are primarily heated with natural gas.
Butler County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. Butler County had 128 active NFIP flood policies as of September 2026. See the full Butler County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $125,900 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Butler County | 128 |
| 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)