Home Insurance in Remsen, Iowa
The median home value in Remsen is $185,900, 19% lower than the Plymouth County median.
The typical home in Remsen was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 57% of homes were built before 1960, about 17 points above Plymouth County's 39%.
The housing stock in Remsen is 82% single-family homes, 8% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Remsen, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Remsen are owner-occupied.
In Remsen, 76% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Remsen? FEMA's National Risk Index points to hail (Relatively Moderate) in Plymouth County and 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.
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 | $185,900 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)