Home Insurance in Gladbrook, Iowa
With a median home value of $125,200, Gladbrook is 16% lower than the Tama County median.
The typical home in Gladbrook was built around 1945. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 66% of homes were built before 1960, about 14 points above Tama County's 53%.
Housing in Gladbrook breaks down to 94% single-family homes and 5% apartments in buildings with 5+ units.
About 66% of owner-occupied homes in Gladbrook have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Gladbrook are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gladbrook - 79% - 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.
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 | $125,200 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)