Home Insurance in Washta, Iowa
Homes in Washta carry a median value of $48,600 - 69% lower than the Cherokee County median.
The median home in Washta was built in 1939 or earlier. About 78% of homes were built before 1960, about 26 points above Cherokee County's 52%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Washta, the housing stock is 94% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Washta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Washta are owner-occupied.
Most homes in Washta - 74% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Cherokee County had 28 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Cherokee 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 | $48,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cherokee County | 28 |
| 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)