Home Insurance in Windsor Heights, Iowa
The median home value in Windsor Heights is $267,900, close to the Polk County median.
The typical home in Windsor Heights was built around 1960. About 51% of homes were built before 1960, about 22 points above 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 Windsor Heights breaks down to 86% single-family homes and 11% apartments in buildings with 5+ units.
About 68% of owner-occupied homes in Windsor Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Windsor Heights are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Windsor Heights, 77% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Windsor Heights? FEMA's National Risk Index points to strong wind (Very High) in Polk County and Polk County had 1,116 active NFIP flood policies as of September 2026. 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 | $267,900 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)