Home Insurance in Hubbard, Iowa
Homes in Hubbard carry a median value of $106,100 - 13% lower than the Hardin County median.
The typical home in Hubbard was built around 1951. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 60% of homes were built before 1960, about 4 points above Hardin County's 56%.
Housing in Hubbard breaks down to 92% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
46% of owner-occupied homes in Hubbard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hubbard has an owner-occupancy rate of 90% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Hubbard - 75% - are primarily heated with natural gas.
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 | $106,100 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)