Home Insurance in Thor, Iowa
With a median home value of $101,800, Thor is 35% lower than the Humboldt County median.
The median home in Thor was built in 1939 or earlier. About 73% of homes were built before 1960, about 24 points above Humboldt County's 49%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Thor breaks down to 98% single-family homes.
In Thor, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Thor has an owner-occupancy rate of 90% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
49% of homes in Thor are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Thor? FEMA's National Risk Index points to hail (Relatively Low) in Humboldt County and 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.
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 | $101,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)