Home Insurance in Gilmore City, Iowa
Homes in Gilmore City carry a median value of $83,900 - 46% lower than the Humboldt County median.
The typical home in Gilmore City was built around 1963. About 43% of homes were built before 1960, about 6 points below Humboldt County's 49%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Gilmore City is 81% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Gilmore City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gilmore City has an owner-occupancy rate of 74% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
68% of homes in Gilmore City are primarily heated with natural gas.
Humboldt County had 13 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Humboldt 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 | $83,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Humboldt County | 13 |
| 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)