Home Insurance in Havelock, Iowa
The median home value in Havelock is $23,800, 76% lower than the Pocahontas County median.
The typical home in Havelock was built around 1951. About 64% of homes were built before 1960, about 2 points above Pocahontas County's 62%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Havelock breaks down to 94% single-family homes and 1% apartments in buildings with 5+ units.
In Havelock, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Havelock are owner-occupied.
Most homes in Havelock - 83% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Pocahontas County's overall risk as Very Low, led by hail (Relatively Low). Pocahontas County had 21 active NFIP flood policies as of September 2026. See the full Pocahontas 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 | $23,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Pocahontas County | 21 |
| 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)