Home Insurance in Gowrie, Iowa
With a median home value of $109,900, Gowrie is 29% lower than the Webster County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gowrie was built around 1951. About 72% of homes were built before 1960, about 17 points above Webster County's 54%.
The housing stock in Gowrie is 86% single-family homes and 11% apartments in buildings with 5+ units.
About 44% of owner-occupied homes in Gowrie have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Gowrie are owner-occupied.
In Gowrie, 81% of homes 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.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $109,900 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)