Home Insurance in Harvey, Iowa
Homes in Harvey carry a median value of $77,500 - 67% lower than the Marion County median.
The typical home in Harvey was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 11 points above Marion County's 30%.
The housing stock in Harvey is 75% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Harvey, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Harvey are owner-occupied.
75% of homes in Harvey 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.
Marion County had 9 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Marion 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 | $77,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Marion 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)