Home Insurance in Badger, Iowa
Homes in Badger carry a median value of $142,800 - 7% lower than the Webster County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Badger was built around 1966. About 37% of homes were built before 1960, about 17 points below Webster County's 54%.
In Badger, the housing stock is 98% single-family homes.
About 56% of owner-occupied homes in Badger have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Badger has an owner-occupancy rate of 86% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
83% of homes in Badger are primarily heated with natural gas.
Webster County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Webster County had 24 active NFIP flood policies as of September 2026. See the full Webster 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 | $142,800 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Webster County | 24 |
| 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)