Home Insurance in Blairsburg, Iowa
With a median home value of $129,200, Blairsburg is 17% lower than the Hamilton County median.
The typical home in Blairsburg was built around 1967. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 17 points below Hamilton County's 58%.
In Blairsburg, the housing stock is 96% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Blairsburg, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Blairsburg has an owner-occupancy rate of 95% and a vacancy rate of 21%; 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. In Blairsburg, 81% of homes are primarily heated with propane.
Hamilton County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Hamilton County had 8 active NFIP flood policies as of September 2026. See the full Hamilton County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $129,200 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Hamilton County | 8 |
| 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)