Home Insurance in New Hampton, Iowa
The median home value in New Hampton is $167,700, 8% lower than the Chickasaw County median.
The typical home in New Hampton was built around 1960. About 50% of homes were built before 1960, about 5 points above Chickasaw 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 New Hampton is 76% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in New Hampton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
New Hampton has an owner-occupancy rate of 70% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In New Hampton, 81% of homes are primarily heated with natural gas.
Chickasaw County had 40 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Chickasaw 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 | $167,700 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Chickasaw County | 40 |
| 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)