Home Insurance in Ellsworth, Iowa
The median home value in Ellsworth is $149,000, close to the Hamilton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ellsworth was built around 1953. About 57% of homes were built before 1960, in line with Hamilton County (58%).
In Ellsworth, the housing stock is 86% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Ellsworth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Ellsworth are owner-occupied.
88% of homes in Ellsworth are primarily heated with natural gas.
Hamilton County had 8 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). 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 | $149,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)