Home Insurance in Plymouth County, Iowa
With a median home value of $228,900, Plymouth County is 10% higher than the Iowa median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Plymouth County was built around 1971. About 39% of homes were built before 1960, about 1 point above Iowa's 38%.
The housing stock in Plymouth County is 82% single-family homes, 8% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Plymouth County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Plymouth County has an owner-occupancy rate of 74% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
46% of homes in Plymouth County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Plymouth County's top hazards are hail (Relatively Moderate), tornado (Relatively Moderate) and winter weather (Relatively Moderate).
Plymouth County had 26 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $228,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 26 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
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)