Home Insurance in Westfield, Iowa
The median home value in Westfield is $117,500, 49% lower than the Plymouth County median.
The typical home in Westfield was built around 1944. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 67% of homes were built before 1960, about 27 points above Plymouth County's 39%.
The housing stock in Westfield is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
73% of owner-occupied homes in Westfield carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Westfield are owner-occupied.
56% of homes in Westfield are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Plymouth County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Plymouth County had 26 active NFIP flood policies as of September 2026. See the full Plymouth County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $117,500 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Plymouth County | 26 |
| 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)