Home Insurance in Plymouth, Iowa
With a median home value of $125,700, Plymouth is 24% lower than the Cerro Gordo County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Plymouth was built around 1949. About 61% of homes were built before 1960, about 9 points above Cerro Gordo County's 52%.
Housing in Plymouth breaks down to 93% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Plymouth, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Plymouth has an owner-occupancy rate of 78% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Plymouth - 87% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Cerro Gordo County had 93 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Cerro Gordo 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 | $125,700 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Cerro Gordo County | 93 |
| 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)