Home Insurance in Stratford, Iowa
Homes in Stratford carry a median value of $89,300 - 43% lower than the Hamilton County median.
The typical home in Stratford was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 13 points below Hamilton County's 58%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stratford is 77% single-family homes, 10% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Stratford, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Stratford has an owner-occupancy rate of 83% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Stratford - 86% - are primarily heated with natural gas.
What's the biggest home insurance risk near Stratford? FEMA's National Risk Index points to hail (Relatively Low) in Hamilton County and 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 | $89,300 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)