Home Insurance in Fremont County, Iowa
With a median home value of $154,400, Fremont County is 26% lower than the Iowa median.
The typical home in Fremont County was built around 1958. About 52% of homes were built before 1960, about 14 points above Iowa's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Fremont County is 89% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 49% of owner-occupied homes in Fremont County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fremont County has an owner-occupancy rate of 78% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Fremont County are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively Low), tornado (Relatively Low) and wildfire (Very Low) as the leading hazards for Fremont County.
As of September 2026, Fremont County has 84 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $154,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Tornado (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 84 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)