Home Insurance in Walford, Iowa
With a median home value of $303,000, Walford is 41% higher than the Linn County median.
The typical home in Walford was built around 1994. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 12 points below Linn County's 27%.
The housing stock in Walford is 97% single-family homes.
In Walford, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Walford has an owner-occupancy rate of 92% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Walford, 82% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Walford? FEMA's National Risk Index points to strong wind (Very High) in Linn County and Linn County had 1,092 active NFIP flood policies as of September 2026. See the full Linn 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 | $303,000 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Linn County | 1,092 |
| 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)