Home Insurance in Le Mars, Iowa
With a median home value of $219,200, Le Mars is close to the Plymouth County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Le Mars was built around 1975. About 32% of homes were built before 1960, about 7 points below Plymouth County's 39%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Le Mars is 68% single-family homes, 16% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
52% of owner-occupied homes in Le Mars carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Le Mars has an owner-occupancy rate of 61% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
57% of homes in Le Mars are primarily heated with natural gas.
FEMA rates Plymouth County's overall risk as Relatively Low, led by hail (Relatively Moderate). Plymouth County had 26 active NFIP flood policies as of September 2026. See the full Plymouth 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 | $219,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Plymouth County | 26 |
| 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)