Home Insurance in Henderson, Iowa
With a median home value of $77,500, Henderson is 67% lower than the Mills County median.
The median home in Henderson was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 67% of homes were built before 1960, about 29 points above Mills County's 37%.
Housing in Henderson breaks down to 100% single-family homes.
About 64% of owner-occupied homes in Henderson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Henderson are owner-occupied.
92% of homes in Henderson are primarily heated with natural gas.
What's the biggest home insurance risk near Henderson? FEMA's National Risk Index points to hail (Relatively Low) in Mills County and Mills County had 71 active NFIP flood policies as of September 2026. See the full Mills 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 | $77,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Mills County | 71 |
| 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)