Home Insurance in Williamsburg, Iowa
Homes in Williamsburg carry a median value of $204,300 - 5% higher than the Iowa County median.
The typical home in Williamsburg was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 19 points below Iowa County's 43%.
The housing stock in Williamsburg is 68% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Williamsburg, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Williamsburg are owner-occupied.
72% of homes in Williamsburg are primarily heated with natural gas.
What's the biggest home insurance risk near Williamsburg? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Iowa County and Iowa County had 112 active NFIP flood policies as of September 2026. See the full Iowa 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 | $204,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Iowa County | 112 |
| 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)