Home Insurance in Clarinda, Iowa
The median home value in Clarinda is $114,200, 9% lower than the Page County median.
The typical home in Clarinda was built around 1960. About 50% of homes were built before 1960, about 6 points below Page County's 56%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Clarinda breaks down to 75% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 45% of owner-occupied homes in Clarinda have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Clarinda are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in Clarinda are primarily heated with natural gas.
What's the biggest home insurance risk near Clarinda? FEMA's National Risk Index points to hail (Relatively Moderate) in Page County and Page County had 7 active NFIP flood policies as of September 2026. See the full Page 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 | $114,200 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Page County | 7 |
| 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)