ZIP Code 50545 — Hardy city, IA Demographics & Data

ZIP code 50545 covers Hardy, IA in Humboldt County with a population of about 156.

At a glance, the area shows median age of 57.1 versus a U.S. median of about 38.9.

It sits in telephone area code 515; U.S. House district IA-4; the DES MOINES - AMES media market.

Hardy, IA fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 50545 is about $41,625 — about 45% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.9%; unemployment rate near 0.0%; 5.0% of adults with a bachelor’s degree or higher (about 28.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Education, and Transportation; about 12.9% of workers reporting work-from-home (about 2.3 points below the U.S. share (15.2%)); a mean commute of about 54.0 minutes (U.S. average near 26.8).

Housing tenure and rents show owner-occupancy near 88.7% (about 23.3 points above the national owner-occupancy rate (65.4%)).

FEMA’s National Risk Index rates natural-hazard risk for Hardy city, IA as Very Low (composite score 24.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (18.9) and hurricane (8.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Hardy city, IA show little to no average snow and around 35.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 9 for ZIP 50545 (Hardy city, IA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.