Home Insurance in Cushing, Iowa
Homes in Cushing carry a median value of $66,000 - 64% lower than the Woodbury County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Cushing was built in 1939 or earlier. About 65% of homes were built before 1960, about 14 points above Woodbury County's 51%.
Housing in Cushing breaks down to 93% single-family homes and 7% apartments in buildings with 5+ units.
About 35% of owner-occupied homes in Cushing have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cushing has an owner-occupancy rate of 70% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Cushing are primarily heated with propane.
What's the biggest home insurance risk near Cushing? FEMA's National Risk Index points to tornado (Relatively High) in Woodbury County and Woodbury County had 199 active NFIP flood policies as of September 2026. See the full Woodbury 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 | $66,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Woodbury County | 199 |
| 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)