Home Insurance in Kensett, Iowa
Homes in Kensett carry a median value of $67,100 - 54% 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 Kensett was built in 1939 or earlier. About 78% of homes were built before 1960, about 18 points above Worth County's 61%.
In Kensett, the housing stock is 86% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kensett, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Kensett are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Kensett, 86% of homes are primarily heated with natural gas.
FEMA rates Worth County's overall risk as Very Low, led by winter weather (Relatively Low). 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 | $67,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)