Home Insurance in Harper, Iowa
The median home value in Harper is $99,200, 16% lower than the Keokuk County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Harper was built around 1940. About 54% of homes were built before 1960, about 2 points below Keokuk County's 57%.
In Harper, the housing stock is 100% single-family homes.
88% of owner-occupied homes in Harper carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 85% of occupied homes in Harper are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Harper, 67% of homes are primarily heated with natural gas.
Keokuk County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Keokuk County had 5 active NFIP flood policies as of September 2026. See the full Keokuk 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 | $99,200 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 88% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Keokuk County | 5 |
| 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)