Home Insurance in Scott County, Iowa
With a median home value of $222,000, Scott County is 7% higher than the Iowa median.
The typical home in Scott County was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 5 points below Iowa's 38%.
Housing in Scott County breaks down to 75% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 66% of owner-occupied homes in Scott County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Scott County are owner-occupied.
Most homes in Scott County - 74% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Scott County's top hazards are strong wind (Relatively High), hail (Relatively High) and inland flooding (Relatively Moderate).
Scott County had 688 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.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $222,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 688 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bettendorf
- Blue Grass
- Buffalo
- Davenport
- Dixon
- Donahue
- Eldridge
- Le Claire
- Long Grove
- Maysville
- McCausland
- New Liberty
- Panorama Park
- Princeton
- Riverdale
- Walcott
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)