Home Insurance in Whittemore, Iowa
The median home value in Whittemore is $100,500, 32% lower than the Kossuth County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Whittemore was built around 1955. About 54% of homes were built before 1960, about 6 points above Kossuth County's 48%.
In Whittemore, the housing stock is 85% single-family homes and 5% apartments in buildings with 5+ units.
50% of owner-occupied homes in Whittemore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Whittemore are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Whittemore, 86% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Whittemore? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Kossuth County and Kossuth County had 6 active NFIP flood policies as of September 2026. See the full Kossuth 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 | $100,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Kossuth County | 6 |
| 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)