Home Insurance in Hartley, Iowa
With a median home value of $112,700, Hartley is 35% lower than the O'Brien County median.
The typical home in Hartley was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 49% of homes were built before 1960, about 3 points below O'Brien County's 52%.
In Hartley, the housing stock is 89% single-family homes and 5% apartments in buildings with 5+ units.
In Hartley, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hartley has an owner-occupancy rate of 80% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Hartley, 79% of homes are primarily heated with natural gas.
FEMA rates O'Brien County's overall risk as Very Low, led by hail (Relatively Moderate). O'Brien County had 1 active NFIP flood policy as of September 2026. See the full O'Brien County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $112,700 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)