Home Insurance in Plano, Iowa
Homes in Plano carry a median value of $93,300 - 25% lower than the Appanoose County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Plano was built around 1987. About 15% of homes were built before 1960, about 31 points below Appanoose County's 46%.
The housing stock in Plano is 85% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Plano, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Plano are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 64% of homes in Plano are primarily heated with propane.
Appanoose County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Appanoose County had 6 active NFIP flood policies as of September 2026. See the full Appanoose 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 | $93,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Appanoose County | 6 |
| 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)