Home Insurance in Woodbine, Iowa
Homes in Woodbine carry a median value of $168,900 - close to the Harrison County median.
The typical home in Woodbine was built around 1959. About 51% of homes were built before 1960, about 3 points below Harrison County's 53%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Woodbine, the housing stock is 75% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 51% of owner-occupied homes in Woodbine have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Woodbine are owner-occupied.
In Woodbine, 53% of homes are primarily heated with natural gas.
Harrison County had 211 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Harrison 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 | $168,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Harrison County | 211 |
| 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)