Home Insurance in Woodbury County, Iowa
With a median home value of $183,200, Woodbury County is 12% lower than the Iowa median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Woodbury County was built around 1959. About 51% of homes were built before 1960, about 13 points above Iowa's 38%.
In Woodbury County, the housing stock is 77% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Woodbury County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Woodbury County has an owner-occupancy rate of 68% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
60% of homes in Woodbury County 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.
FEMA's National Risk Index lists tornado (Relatively High), hail (Relatively High) and wildfire (Relatively Low) as the leading hazards for Woodbury County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Woodbury County has 199 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $183,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 199 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
- Anthon
- Bronson
- Correctionville
- Cushing
- Danbury
- Hornick
- Lawton
- Moville
- Oto
- Pierson
- Salix
- Sergeant Bluff
- Sioux City
- Sloan
- Smithland
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)