Home Insurance in Worth County, Iowa
The median home value in Worth County is $145,800, 30% lower than the Iowa median.
The typical home in Worth County was built around 1948. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 61% of homes were built before 1960, about 23 points above Iowa's 38%.
In Worth County, the housing stock is 90% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 53% of owner-occupied homes in Worth County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Worth County are owner-occupied. The vacancy rate is 9%; 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. In Worth County, 52% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively Low), tornado (Relatively Low) and hail (Very Low) as the leading hazards for Worth County.
Worth County had 5 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $145,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Low), Tornado (Relatively Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 5 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)