Home Insurance in Halbur, Iowa
Homes in Halbur carry a median value of $152,200 - 14% lower than the Carroll County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Halbur was built around 1964. About 47% of homes were built before 1960, about 2 points above Carroll County's 45%.
In Halbur, the housing stock is 97% single-family homes and 3% mobile or manufactured homes.
About 64% of owner-occupied homes in Halbur have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 99% of occupied homes in Halbur are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 62% of homes in Halbur are primarily heated with propane.
Carroll County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Carroll County had 20 active NFIP flood policies as of September 2026. 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 | $152,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)