Home Insurance in Calmar, Iowa
With a median home value of $203,200, Calmar is 22% lower than the Winneshiek County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Calmar was built around 1968. About 37% of homes were built before 1960, about 12 points below Winneshiek County's 49%.
In Calmar, the housing stock is 71% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
73% of owner-occupied homes in Calmar carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Calmar has an owner-occupancy rate of 73% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Calmar, 81% of homes are primarily heated with natural gas.
Winneshiek County had 75 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Winneshiek 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 | $203,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Winneshiek County | 75 |
| 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)