Home Insurance in Sergeant Bluff, Iowa
Homes in Sergeant Bluff carry a median value of $298,500 - 63% higher than the Woodbury County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sergeant Bluff was built around 1996. About 20% of homes were built before 1960, about 31 points below Woodbury County's 51%.
In Sergeant Bluff, the housing stock is 84% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sergeant Bluff, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sergeant Bluff has an owner-occupancy rate of 73% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Sergeant Bluff, 77% of homes are primarily heated with natural gas.
Woodbury County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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 | $298,500 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)