Home Insurance in Webster City, Iowa
With a median home value of $127,200, Webster City is 19% lower than the Hamilton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Webster City was built around 1955. About 57% of homes were built before 1960, about 1 point below Hamilton County's 58%.
Housing in Webster City breaks down to 74% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 59% of owner-occupied homes in Webster City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Webster City has an owner-occupancy rate of 64% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
76% of homes in Webster City are primarily heated with natural gas.
Hamilton County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Hamilton County had 8 active NFIP flood policies as of September 2026. See the full Hamilton 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 | $127,200 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Hamilton County | 8 |
| 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)