Home Insurance in Hanlontown, Iowa
With a median home value of $106,800, Hanlontown is 27% lower than the Worth County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Hanlontown was built in 1939 or earlier. About 75% of homes were built before 1960, about 15 points above Worth County's 61%.
The housing stock in Hanlontown is 96% single-family homes.
About 52% of owner-occupied homes in Hanlontown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hanlontown has an owner-occupancy rate of 78% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Hanlontown - 92% - are primarily heated with natural gas.
What's the biggest home insurance risk near Hanlontown? FEMA's National Risk Index points to winter weather (Relatively Low) in Worth County and Worth County had 5 active NFIP flood policies as of September 2026. See the full Worth 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 | $106,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Worth County | 5 |
| 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)