Home Insurance in Williamson, Iowa
The median home in Williamson was built in 1939 or earlier. About 75% of homes were built before 1960, about 27 points above Lucas County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Williamson is 85% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
21% of owner-occupied homes in Williamson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Williamson are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Williamson - 56% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lucas County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Lucas County had 2 active NFIP flood policies as of September 2026. See the full Lucas 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Lucas County | 2 |
| 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)