Home Insurance in Clarion, Iowa
With a median home value of $116,200, Clarion is close to the Wright County median.
The typical home in Clarion was built around 1965. About 46% of homes were built before 1960, about 5 points below Wright County's 50%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Clarion is 78% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 64% of owner-occupied homes in Clarion have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Clarion are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 69% of homes in Clarion are primarily heated with natural gas.
What's the biggest home insurance risk near Clarion? FEMA's National Risk Index points to hail (Relatively Low) in Wright County and Wright County had 19 active NFIP flood policies as of September 2026. See the full Wright 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 | $116,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Wright County | 19 |
| 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)