Home Insurance in Westwood, Iowa
With a median home value of $290,000, Westwood is 77% higher than the Henry County median.
The typical home in Westwood was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 4% of homes were built before 1960, about 38 points below Henry County's 41%.
The housing stock in Westwood is 100% single-family homes.
67% of owner-occupied homes in Westwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Westwood are owner-occupied.
65% of homes in Westwood are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Westwood? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Henry County and Henry County had 1 active NFIP flood policy as of September 2026. See the full Henry 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 | $290,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Henry County | 1 |
| 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)