Home Insurance in Plover, Iowa
The median home in Plover was built in 1939 or earlier. About 81% of homes were built before 1960, about 19 points above Pocahontas County's 62%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Plover is 100% single-family homes.
Almost no owner-occupied homes in Plover carry a mortgage.
Plover has an owner-occupancy rate of 82% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Most homes in Plover - 96% - 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.
Pocahontas County had 21 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Pocahontas 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Pocahontas County | 21 |
| 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)