Home Insurance in Steamboat Rock, Iowa
Homes in Steamboat Rock carry a median value of $105,800 - 14% lower than the Hardin County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Steamboat Rock was built around 1943. About 68% of homes were built before 1960, about 12 points above Hardin County's 56%.
The housing stock in Steamboat Rock is 88% single-family homes and 4% apartments in buildings with 5+ units.
In Steamboat Rock, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Steamboat Rock are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 62% of homes in Steamboat Rock 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.
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 | $105,800 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 74% |
| 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)