Home Insurance in Webster County, Iowa
Homes in Webster County carry a median value of $153,800 - 26% lower than the Iowa median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Webster County was built around 1957. About 54% of homes were built before 1960, about 17 points above Iowa's 38%.
Housing in Webster County breaks down to 78% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
52% of owner-occupied homes in Webster County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Webster County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Webster County, 63% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Webster County's top hazards are tornado (Relatively High), hail (Relatively Moderate) and winter weather (Relatively Moderate).
As of September 2026, Webster County has 24 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $153,800 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 24 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
- Badger
- Barnum
- Callender
- Clare
- Dayton
- Duncombe
- Fort Dodge
- Gowrie
- Harcourt
- Lehigh
- Moorland
- Otho
- Vincent
Sources
- 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)