Home Insurance in Logan, Iowa
With a median home value of $154,000, Logan is 12% lower than the Harrison County median.
The median home in Logan was built in 1939 or earlier. About 72% of homes were built before 1960, about 19 points above Harrison County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Logan, the housing stock is 93% single-family homes and 1% apartments in buildings with 5+ units.
About 73% of owner-occupied homes in Logan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Logan are owner-occupied.
70% of homes in Logan are primarily heated with natural gas.
Harrison County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Harrison County had 211 active NFIP flood policies as of September 2026. See the full Harrison 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 | $154,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Harrison County | 211 |
| 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)