Home Insurance in Haverhill, Iowa
Homes in Haverhill carry a median value of $115,300 - 21% lower than the Marshall County median.
The typical home in Haverhill was built around 1961. About 47% of homes were built before 1960, about 6 points below Marshall County's 53%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Haverhill, the housing stock is 100% single-family homes.
56% of owner-occupied homes in Haverhill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 96% of occupied homes in Haverhill are owner-occupied.
91% of homes in Haverhill are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Marshall County had 28 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Marshall 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 | $115,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Marshall County | 28 |
| 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)