Home Insurance in Woolstock, Iowa
The median home value in Woolstock is $84,800, 29% lower than the Wright County median.
The typical home in Woolstock was built around 1951. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 70% of homes were built before 1960, about 20 points above Wright County's 50%.
The housing stock in Woolstock is 88% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Woolstock, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Woolstock has an owner-occupancy rate of 80% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Woolstock - 83% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Wright County had 19 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Wright 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 | $84,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Wright County | 19 |
| 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)