Home Insurance in Pacific Junction, Iowa
With a median home value of $149,100, Pacific Junction is 37% lower than the Mills County median.
The typical home in Pacific Junction was built around 1962. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 7 points above Mills County's 37%.
The housing stock in Pacific Junction is 91% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pacific Junction, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Pacific Junction are owner-occupied.
In Pacific Junction, 90% of homes are primarily heated with natural gas.
FEMA rates Mills County's overall risk as Very Low, led by hail (Relatively Low). Mills County had 71 active NFIP flood policies as of September 2026. See the full Mills 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 | $149,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Mills County | 71 |
| 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)