Home Insurance in Webster, Iowa
Homes in Webster carry a median value of $83,300 - 30% lower than the Keokuk County median.
The median home in Webster was built in 1939 or earlier. About 74% of homes were built before 1960, about 17 points above Keokuk County's 57%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Webster is 75% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Webster have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Webster are owner-occupied.
Most homes in Webster - 70% - 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.
Keokuk County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Keokuk County had 5 active NFIP flood policies as of September 2026. See the full Keokuk 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 | $83,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Keokuk County | 5 |
| 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)