Home Insurance in Moorland, Iowa
Homes in Moorland carry a median value of $105,900 - 31% lower than the Webster County median.
The typical home in Moorland was built around 1952. About 63% of homes were built before 1960, about 8 points above Webster County's 54%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Moorland breaks down to 100% single-family homes.
In Moorland, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Moorland are owner-occupied.
In Moorland, 81% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Webster County had 24 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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 | $105,900 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)