Home Insurance in Alden, Iowa
Homes in Alden carry a median value of $107,900 - 12% lower than the Hardin County median.
The typical home in Alden was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 43% of homes were built before 1960, about 13 points below Hardin County's 56%.
Housing in Alden breaks down to 76% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Alden, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Alden has an owner-occupancy rate of 69% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Alden - 66% - are primarily heated with natural gas.
Hardin County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Hardin County had 29 active NFIP flood policies as of September 2026. See the full Hardin 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 | $107,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Hardin County | 29 |
| 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)