Home Insurance in Winthrop, Iowa
The median home value in Winthrop is $158,200, 10% lower than the Buchanan County median.
The typical home in Winthrop was built around 1965. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 47% of homes were built before 1960, about 10 points above Buchanan County's 36%.
The housing stock in Winthrop is 96% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
51% of owner-occupied homes in Winthrop carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Winthrop are owner-occupied.
Most homes in Winthrop - 80% - are primarily heated with natural gas.
Buchanan County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Buchanan County had 77 active NFIP flood policies as of September 2026. See the full Buchanan 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 | $158,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Buchanan County | 77 |
| 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)