Home Insurance in Pilot Mound, Iowa
With a median home value of $75,000, Pilot Mound is 65% lower than the Boone County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Pilot Mound was built in 1939 or earlier. About 57% of homes were built before 1960, about 7 points above Boone County's 50%.
The housing stock in Pilot Mound is 65% single-family homes, 11% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Pilot Mound carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pilot Mound has an owner-occupancy rate of 69% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
81% of homes in Pilot Mound are primarily heated with natural gas.
Boone County had 33 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Boone County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $75,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Boone County | 33 |
| 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)