Home Insurance in Klemme, Iowa
The median home value in Klemme is $77,900, 45% lower than the Hancock County median.
The typical home in Klemme was built around 1956. About 55% of homes were built before 1960, about 5 points above Hancock County's 50%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Klemme is 91% single-family homes and 2% mobile or manufactured homes.
About 39% of owner-occupied homes in Klemme have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 90% of occupied homes in Klemme are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Klemme, 87% of homes are primarily heated with natural gas.
FEMA rates Hancock County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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 | $77,900 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)