Home Insurance in New Hartford, Iowa
Homes in New Hartford carry a median value of $114,700 - 31% lower than the Butler County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in New Hartford was built around 1959. About 52% of homes were built before 1960, in line with Butler County (52%).
The housing stock in New Hartford is 84% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
50% of owner-occupied homes in New Hartford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
New Hartford has an owner-occupancy rate of 84% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in New Hartford - 75% - are primarily heated with natural gas.
Butler County had 128 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Low). See the full Butler 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 | $114,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)