Home Insurance in Lohrville, Iowa
The median home value in Lohrville is $52,100, 56% lower than the Calhoun County median.
The typical home in Lohrville was built around 1942. About 71% of homes were built before 1960, about 19 points above Calhoun County's 52%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lohrville, the housing stock is 90% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Lohrville, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lohrville has an owner-occupancy rate of 80% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
63% of homes in Lohrville are primarily heated with natural gas.
FEMA rates Calhoun County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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 | $52,100 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)