Home Insurance in Carson, Iowa
The median home value in Carson is $181,400, 7% lower than the Pottawattamie 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 Carson was built around 1963. About 47% of homes were built before 1960, about 4 points above Pottawattamie County's 43%.
Housing in Carson breaks down to 94% single-family homes and 1% apartments in buildings with 5+ units.
60% of owner-occupied homes in Carson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Carson are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
69% of homes in Carson are primarily heated with natural gas.
Pottawattamie County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Pottawattamie County had 657 active NFIP flood policies as of September 2026. See the full Pottawattamie County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $181,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Pottawattamie County | 657 |
| 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)