Home Insurance in Westside, Iowa
Homes in Westside carry a median value of $147,200 - close to the Crawford County median.
The typical home in Westside was built around 1952. About 58% of homes were built before 1960, about 16 points above Crawford County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Westside breaks down to 98% single-family homes and 1% mobile or manufactured homes.
About 60% of owner-occupied homes in Westside have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Westside has an owner-occupancy rate of 89% and a vacancy rate of 7%; 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. 68% of homes in Westside are primarily heated with propane.
Crawford County had 21 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Crawford 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 | $147,200 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Crawford County | 21 |
| 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)