Home Insurance in Woodward, Iowa
Homes in Woodward carry a median value of $179,900 - 49% lower than the Dallas County median.
The typical home in Woodward was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 52% of homes were built before 1960, about 39 points above Dallas County's 13%.
The housing stock in Woodward is 82% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Woodward, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Woodward has an owner-occupancy rate of 77% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
75% of homes in Woodward are primarily heated with natural gas.
What's the biggest home insurance risk near Woodward? FEMA's National Risk Index points to tornado (Relatively Moderate) in Dallas County and Dallas County had 91 active NFIP flood policies as of September 2026. See the full Dallas 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 | $179,900 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Dallas County | 91 |
| 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)