Home Insurance in Primghar, Iowa
Homes in Primghar carry a median value of $147,500 - 15% lower than the O'Brien County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Primghar was built around 1965. About 44% of homes were built before 1960, about 8 points below O'Brien County's 52%.
Housing in Primghar breaks down to 92% single-family homes and 3% apartments in buildings with 5+ units.
About 54% of owner-occupied homes in Primghar have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Primghar are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in Primghar 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 | $147,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)