Home Insurance in Randolph, Iowa
With a median home value of $90,500, Randolph is 41% lower than the Fremont County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Randolph was built in 1939 or earlier. About 60% of homes were built before 1960, about 8 points above Fremont County's 52%.
In Randolph, the housing stock is 83% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Randolph carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Randolph has an owner-occupancy rate of 78% and a vacancy rate of 1%; 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. 84% of homes in Randolph are primarily heated with propane.
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.
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 | $90,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)