Home Insurance in Randall, Iowa
Homes in Randall carry a median value of $110,800 - 29% lower than the Hamilton County median.
The median home in Randall was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 77% of homes were built before 1960, about 19 points above Hamilton County's 58%.
In Randall, the housing stock is 100% single-family homes.
61% of owner-occupied homes in Randall carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Randall has an owner-occupancy rate of 93% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Randall - 84% - are primarily heated with natural gas.
FEMA rates Hamilton County's overall risk as Relatively Low, led by hail (Relatively Low). 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.
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 | $110,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)