Home Insurance in Montour, Iowa
Homes in Montour carry a median value of $94,200 - 37% lower than the Tama County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Montour was built in 1939 or earlier. About 71% of homes were built before 1960, about 18 points above Tama County's 53%.
Housing in Montour breaks down to 99% single-family homes and 1% mobile or manufactured homes.
51% of owner-occupied homes in Montour carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 97% of occupied homes in Montour are owner-occupied.
73% of homes in Montour are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Montour? FEMA's National Risk Index points to strong wind (Relatively High) in Tama County and 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 | $94,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)