Home Insurance in Archer, Iowa
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Archer was built around 1960. About 49% of homes were built before 1960, about 3 points below O'Brien County's 52%.
The housing stock in Archer is 100% single-family homes.
About 15% of owner-occupied homes in Archer have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Archer are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 51% of homes in Archer are primarily heated with electricity.
O'Brien County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full O'Brien 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 year built | 1960 |
|---|---|
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in O'Brien County | 1 |
| 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)