Home Insurance in Pleasanton, Iowa
With a median home value of $210,700, Pleasanton is 85% higher than the Decatur County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Pleasanton was built in 1939 or earlier. About 81% of homes were built before 1960, about 42 points above Decatur County's 40%.
Housing in Pleasanton breaks down to 100% single-family homes.
About 59% of owner-occupied homes in Pleasanton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Pleasanton are owner-occupied.
Most homes in Pleasanton - 100% - 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.
Decatur County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Decatur County has no active NFIP flood policies on file. See the full Decatur 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 | $210,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Wildfire (Very Low) |
| 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)