Home Insurance in Pulaski, Iowa
Homes in Pulaski carry a median value of $102,600 - 37% lower than the Davis County median.
The median home in Pulaski was built in 1939 or earlier. About 68% of homes were built before 1960, about 29 points above Davis County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pulaski is 88% single-family homes and 7% mobile or manufactured homes.
About 65% of owner-occupied homes in Pulaski have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pulaski has an owner-occupancy rate of 88% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Pulaski - 79% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Davis County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Davis County has no active NFIP flood policies on file. See the full Davis 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 | $102,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Tornado (Relatively Moderate) |
| 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)