Home Insurance in Laurens, Iowa
With a median home value of $60,300, Laurens is 39% lower than the Pocahontas County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Laurens was built around 1952. About 62% of homes were built before 1960, in line with Pocahontas County (62%).
The housing stock in Laurens is 90% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Laurens, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Laurens has an owner-occupancy rate of 77% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
64% of homes in Laurens are primarily heated with natural gas.
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 | $60,300 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)