Home Insurance in Plainfield, Iowa
With a median home value of $128,100, Plainfield is 42% lower than the Bremer County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Plainfield was built around 1955. About 54% of homes were built before 1960, about 14 points above Bremer County's 40%.
Housing in Plainfield breaks down to 97% single-family homes.
67% of owner-occupied homes in Plainfield carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Plainfield has an owner-occupancy rate of 87% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Plainfield - 83% - are primarily heated with natural gas.
FEMA rates Bremer County's overall risk as Very Low, led by hail (Relatively Low). Bremer County had 125 active NFIP flood policies as of September 2026. See the full Bremer 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 | $128,100 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Bremer County | 125 |
| 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)