Home Insurance in Carroll, Iowa
The median home value in Carroll is $188,700, 7% higher than the Carroll County median.
The typical home in Carroll was built around 1971. About 34% of homes were built before 1960, about 11 points below Carroll County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Carroll is 79% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Carroll, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Carroll are owner-occupied.
75% of homes in Carroll are primarily heated with natural gas.
Carroll County had 20 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Carroll 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 | $188,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Carroll County | 20 |
| 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)