Home Insurance in Whitten, Iowa
The median home value in Whitten is $90,000, 27% lower than the Hardin County median.
The typical home in Whitten was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 3 points below Hardin County's 56%.
In Whitten, the housing stock is 97% single-family homes and 3% mobile or manufactured homes.
About 39% of owner-occupied homes in Whitten have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Whitten has an owner-occupancy rate of 88% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Whitten - 92% - 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 | $90,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)