Home Insurance in Harris, Iowa
With a median home value of $87,500, Harris is 29% lower than the Osceola County median.
The typical home in Harris was built around 2011. About 24% of homes were built before 1960, about 35 points below Osceola County's 59%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Harris is 36% single-family homes and 64% apartments in buildings with 5+ units.
About 40% of owner-occupied homes in Harris have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Harris has an owner-occupancy rate of 31% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Harris - 66% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Osceola County's overall risk as Very Low, led by hail (Relatively Moderate). Osceola County had 6 active NFIP flood policies as of September 2026. See the full Osceola County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $87,500 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 31% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Osceola County | 6 |
| 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)