Home Insurance in Farnhamville, Iowa
With a median home value of $72,300, Farnhamville is 39% lower than the Calhoun County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Farnhamville was built around 1958. About 53% of homes were built before 1960, about 2 points above Calhoun County's 52%.
Housing in Farnhamville breaks down to 89% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 27% of owner-occupied homes in Farnhamville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Farnhamville has an owner-occupancy rate of 82% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Farnhamville, 86% of homes are primarily heated with natural gas.
Calhoun County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Calhoun County had 3 active NFIP flood policies as of September 2026. See the full Calhoun 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 | $72,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Calhoun County | 3 |
| 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)