Home Insurance in West Des Moines, Iowa
With a median home value of $309,000, West Des Moines is 18% higher than the Polk County median.
The typical home in West Des Moines was built around 1994. About 12% of homes were built before 1960, about 16 points below Polk County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in West Des Moines breaks down to 58% single-family homes, 39% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 67% of owner-occupied homes in West Des Moines have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in West Des Moines are owner-occupied.
Most homes in West Des Moines - 60% - are primarily heated with natural gas.
Polk County had 1,116 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Polk 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 | $309,000 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Polk County | 1,116 |
| 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)