Home Insurance in Carroll County, Iowa
With a median home value of $176,000, Carroll County is 15% lower than the Iowa median.
The typical home in Carroll County was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 45% of homes were built before 1960, about 7 points above Iowa's 38%.
In Carroll County, the housing stock is 86% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Carroll County, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Carroll County are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
58% of homes in Carroll County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Carroll County, per FEMA's National Risk Index, are hail (Relatively High), tornado (Relatively Moderate) and strong wind (Relatively Moderate).
As of September 2026, Carroll County has 20 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $176,000 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 20 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
- Arcadia
- Breda
- Carroll
- Coon Rapids
- Dedham
- Glidden
- Halbur
- Lanesboro
- Lidderdale
- Manning
- Ralston
- Templeton
- Willey
Sources
- 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)