Home Insurance in Pocahontas, Iowa
The median home value in Pocahontas is $106,100, 8% higher than the Pocahontas County median.
The typical home in Pocahontas was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 42% of homes were built before 1960, about 20 points below Pocahontas County's 62%.
The housing stock in Pocahontas is 93% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Pocahontas, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Pocahontas 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 Pocahontas - 73% - are primarily heated with natural gas.
What's the biggest home insurance risk near Pocahontas? FEMA's National Risk Index points to hail (Relatively Low) in Pocahontas County and Pocahontas County had 21 active NFIP flood policies as of September 2026. See the full Pocahontas County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Iowa is $1,342 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $106,100 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)