Home Insurance in Hardy, Iowa
The median home in Hardy was built in 1939 or earlier. About 100% of homes were built before 1960, about 51 points above Humboldt County's 49%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Hardy breaks down to 100% single-family homes.
Almost no owner-occupied homes in Hardy carry a mortgage.
All occupied homes in Hardy are owner-occupied.
In Hardy, 71% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Humboldt County's overall risk as Very Low, led by hail (Relatively Low). Humboldt County had 13 active NFIP flood policies as of September 2026. See the full Humboldt 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)