Home Insurance in Garwin, Iowa
Homes in Garwin carry a median value of $87,600 - 41% lower than the Tama County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Garwin was built around 1950. About 68% of homes were built before 1960, about 16 points above Tama County's 53%.
In Garwin, the housing stock is 87% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Garwin, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Garwin are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Garwin - 85% - are primarily heated with natural gas.
Tama County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Tama County had 43 active NFIP flood policies as of September 2026. See the full Tama 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 | $87,600 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Tama County | 43 |
| 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)