Home Insurance in Eldora, Iowa
With a median home value of $133,000, Eldora is 9% higher than the Hardin County median.
The typical home in Eldora was built around 1958. About 53% of homes were built before 1960, about 3 points below Hardin County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Eldora, the housing stock is 78% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Eldora carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Eldora are owner-occupied.
Most homes in Eldora - 77% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Hardin County had 29 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Hardin 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 | $133,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)