Home Insurance in Pleasant Hill, Iowa
Homes in Pleasant Hill carry a median value of $295,100 - 13% higher than the Polk County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pleasant Hill was built around 2002. About 2% of homes were built before 1960, about 26 points below Polk County's 28%.
The housing stock in Pleasant Hill is 78% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Pleasant Hill, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pleasant Hill has an owner-occupancy rate of 78% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Pleasant Hill - 70% - are primarily heated with natural gas.
Polk County had 1,116 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Polk 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 | $295,100 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Polk County | 1,116 |
| 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)