Home Insurance in Hamburg, Iowa
With a median home value of $106,300, Hamburg is 31% lower than the Fremont County median.
The typical home in Hamburg was built around 1944. About 70% of homes were built before 1960, about 19 points above Fremont County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Hamburg, the housing stock is 92% single-family homes.
43% of owner-occupied homes in Hamburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Hamburg are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
80% of homes in Hamburg are primarily heated with natural gas.
Fremont County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Fremont County had 84 active NFIP flood policies as of September 2026. See the full Fremont 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 | $106,300 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Fremont County | 84 |
| 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)