Home Insurance in Pierson, Iowa
The median home value in Pierson is $74,000, 60% 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 Pierson was built in 1939 or earlier. About 80% of homes were built before 1960, about 28 points above Woodbury County's 51%.
Housing in Pierson breaks down to 96% single-family homes and 2% mobile or manufactured homes.
About 60% of owner-occupied homes in Pierson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Pierson are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 44% of homes in Pierson are primarily heated with electricity.
What's the biggest home insurance risk near Pierson? 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 | $74,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)