Home Insurance in Kamrar, Iowa
The median home value in Kamrar is $73,800, 53% lower than the Hamilton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Kamrar was built in 1939 or earlier. About 66% of homes were built before 1960, about 8 points above Hamilton County's 58%.
In Kamrar, the housing stock is 89% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kamrar, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Kamrar are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Kamrar - 69% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $73,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)