Home Insurance in Clarence, Iowa
The median home value in Clarence is $154,300, 27% lower than the Cedar County median.
The typical home in Clarence was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 1 point below Cedar County's 47%.
The housing stock in Clarence is 83% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Clarence, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Clarence has an owner-occupancy rate of 67% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
84% of homes in Clarence are primarily heated with natural gas.
Cedar County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Cedar County had 42 active NFIP flood policies as of September 2026. See the full Cedar County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $154,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Cedar County | 42 |
| 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)