Home Insurance in Harcourt, Iowa
The median home value in Harcourt is $85,000, 45% lower than the Webster County median.
The typical home in Harcourt was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 55% of homes were built before 1960, in line with Webster County (54%).
Housing in Harcourt breaks down to 85% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 57% of owner-occupied homes in Harcourt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Harcourt are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Harcourt, 87% of homes are primarily heated with natural gas.
FEMA rates Webster County's overall risk as Relatively Low, led by tornado (Relatively High). 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.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $85,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)