Home Insurance in Kirkman, Iowa
Homes in Kirkman carry a median value of $118,800 - 28% lower than the Shelby County median.
The median home in Kirkman was built in 1939 or earlier. About 63% of homes were built before 1960, about 4 points above Shelby County's 59%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Kirkman is 100% single-family homes.
37% of owner-occupied homes in Kirkman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kirkman has an owner-occupancy rate of 76% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Kirkman - 84% - are primarily heated with propane.
What's the biggest home insurance risk near Kirkman? FEMA's National Risk Index points to hail (Relatively Moderate) in Shelby County and Shelby County had 31 active NFIP flood policies as of September 2026. See the full Shelby 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 | $118,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Shelby County | 31 |
| 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)