Home Insurance in Bettendorf, Iowa
Homes in Bettendorf carry a median value of $306,500 - 38% higher than the Scott County median.
The typical home in Bettendorf was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, about 17 points below Scott County's 32%.
The housing stock in Bettendorf is 80% single-family homes and 15% apartments in buildings with 5+ units.
About 68% of owner-occupied homes in Bettendorf have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Bettendorf are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
80% of homes in Bettendorf are primarily heated with natural gas.
What's the biggest home insurance risk near Bettendorf? FEMA's National Risk Index points to strong wind (Relatively High) in Scott County and Scott County had 688 active NFIP flood policies as of September 2026. See the full Scott 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 home value | $306,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Scott County | 688 |
| 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)