Home Insurance in Cleghorn, Iowa
The median home value in Cleghorn is $98,800, 38% lower than the Cherokee County median.
The typical home in Cleghorn was built around 1940. About 59% of homes were built before 1960, about 7 points above Cherokee County's 52%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Cleghorn is 99% single-family homes and 1% mobile or manufactured homes.
About 50% of owner-occupied homes in Cleghorn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cleghorn has an owner-occupancy rate of 95% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
74% of homes in Cleghorn are primarily heated with natural gas.
FEMA rates Cherokee County's overall risk as Very Low, led by hail (Relatively Moderate). Cherokee County had 28 active NFIP flood policies as of September 2026. See the full Cherokee 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 | $98,800 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cherokee County | 28 |
| 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)