Home Insurance in Garner, Iowa
Homes in Garner carry a median value of $186,300 - 32% higher than the Hancock County median.
The typical home in Garner was built around 1972. About 40% of homes were built before 1960, about 10 points below Hancock County's 50%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Garner is 82% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 62% of owner-occupied homes in Garner have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Garner has an owner-occupancy rate of 80% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Garner, 77% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Garner? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Hancock County and Hancock County had 7 active NFIP flood policies as of September 2026. See the full Hancock County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $186,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Hancock County | 7 |
| 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)