Home Insurance in Pocahontas County, Iowa
With a median home value of $98,100, Pocahontas County is 53% lower than the Iowa median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pocahontas County was built around 1950. About 62% of homes were built before 1960, about 24 points above Iowa's 38%.
In Pocahontas County, the housing stock is 92% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 42% of owner-occupied homes in Pocahontas County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Pocahontas County are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Pocahontas County are primarily heated with natural gas.
Per FEMA's National Risk Index, Pocahontas County's top hazards are hail (Relatively Low), winter weather (Relatively Low) and tornado (Relatively Low).
Pocahontas County had 21 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 | $98,100 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Winter Weather (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 21 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)