Home Insurance in Kiron, Iowa
With a median home value of $67,600, Kiron is 56% lower than the Crawford County median.
The typical home in Kiron was built around 1950. About 61% of homes were built before 1960, about 19 points above Crawford County's 42%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Kiron breaks down to 98% single-family homes and 2% apartments in buildings with 5+ units.
In Kiron, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kiron has an owner-occupancy rate of 77% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
50% of homes in Kiron are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Crawford County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Crawford County had 21 active NFIP flood policies as of September 2026. See the full Crawford 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 | $67,600 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Crawford County | 21 |
| 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)