Home Insurance in Danbury, Iowa
With a median home value of $85,600, Danbury is 53% lower than the Woodbury County median.
The typical home in Danbury was built around 1954. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 54% of homes were built before 1960, about 3 points above Woodbury County's 51%.
Housing in Danbury breaks down to 89% single-family homes. The rest are 2-4 unit or other housing types.
In Danbury, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Danbury has an owner-occupancy rate of 80% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Danbury - 79% - are primarily heated with natural gas.
Woodbury County had 199 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Woodbury 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 | $85,600 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)