Home Insurance in Whiting, Iowa
Homes in Whiting carry a median value of $113,800 - 20% lower than the Monona County median.
The typical home in Whiting was built around 1951. About 56% of homes were built before 1960, about 1 point above Monona County's 54%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Whiting is 72% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Whiting have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Whiting has an owner-occupancy rate of 65% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
61% of homes in Whiting are primarily heated with natural gas.
FEMA rates Monona County's overall risk as Very Low, led by hail (Relatively Moderate). Monona County had 38 active NFIP flood policies as of September 2026. See the full Monona 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 | $113,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Monona County | 38 |
| 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)