Home Insurance in Webb, Iowa
The median home value in Webb is $65,700, 63% lower than the Clay County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Webb was built in 1939 or earlier. About 82% of homes were built before 1960, about 39 points above Clay County's 43%.
Housing in Webb breaks down to 98% single-family homes.
In Webb, about 20% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Webb has an owner-occupancy rate of 65% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Webb - 59% - are primarily heated with propane.
Clay County had 77 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Clay 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 | $65,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Clay 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)