Home Insurance in Worthington, Iowa
With a median home value of $166,800, Worthington is 30% lower than the Dubuque County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Worthington was built around 1955. About 53% of homes were built before 1960, about 16 points above Dubuque County's 37%.
In Worthington, the housing stock is 92% single-family homes and 1% mobile or manufactured homes.
In Worthington, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 95% of occupied homes in Worthington are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Worthington - 93% - are primarily heated with natural gas.
Dubuque County had 93 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Dubuque County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $166,800 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Dubuque County | 93 |
| 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)