Home Insurance in Hamilton County, Iowa
With a median home value of $156,400, Hamilton County is 25% lower than the Iowa median.
The typical home in Hamilton County was built around 1953. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 58% of homes were built before 1960, about 20 points above Iowa's 38%.
Housing in Hamilton County breaks down to 83% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
53% of owner-occupied homes in Hamilton County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Hamilton County are owner-occupied.
Most homes in Hamilton County - 56% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Hamilton County, per FEMA's National Risk Index, are hail (Relatively Low), strong wind (Relatively Moderate) and winter weather (Relatively Moderate).
Hamilton County had 8 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $156,400 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Strong Wind (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 8 |
| 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)