Home Insurance in Moville, Iowa
Homes in Moville carry a median value of $218,800 - 19% higher than the Woodbury County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Moville was built around 1970. About 42% of homes were built before 1960, about 9 points below Woodbury County's 51%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Moville is 88% single-family homes, 5% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Moville, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Moville are owner-occupied.
66% of homes in Moville are primarily heated with natural gas.
What's the biggest home insurance risk near Moville? 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.
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 | $218,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)