Home Insurance in Arthur, Iowa
With a median home value of $50,000, Arthur is 54% lower than the Ida County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Arthur was built around 1953. About 78% of homes were built before 1960, about 17 points above Ida County's 60%.
Housing in Arthur breaks down to 66% single-family homes and 30% apartments in buildings with 5+ units.
About 51% of owner-occupied homes in Arthur have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Arthur has an owner-occupancy rate of 58% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Arthur, 52% of homes are primarily heated with electricity.
Ida County had 9 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Ida County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $50,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Ida County | 9 |
| 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)