Home Insurance in Mount Pleasant, Iowa
With a median home value of $160,900, Mount Pleasant is close to the Henry County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mount Pleasant was built around 1970. About 36% of homes were built before 1960, about 5 points below Henry County's 41%.
The housing stock in Mount Pleasant is 72% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
54% of owner-occupied homes in Mount Pleasant carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Mount Pleasant are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mount Pleasant - 73% - are primarily heated with natural gas.
Henry County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Henry County had 1 active NFIP flood policy as of September 2026. See the full Henry 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 | $160,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Henry County | 1 |
| 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)