Home Insurance in Clare, Iowa
The median home value in Clare is $72,500, 53% lower than the Webster County median.
The typical home in Clare was built around 1951. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, about 1 point above Webster County's 54%.
In Clare, the housing stock is 80% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 69% of owner-occupied homes in Clare have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Clare are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
92% of homes in Clare are primarily heated with propane. 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 Clare? FEMA's National Risk Index points to tornado (Relatively High) in Webster County and Webster County had 24 active NFIP flood policies as of September 2026. See the full Webster 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 | $72,500 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Webster County | 24 |
| 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)