Home Insurance in Davenport, Iowa
Homes in Davenport carry a median value of $166,400 - 25% lower than the Scott County median.
The typical home in Davenport was built around 1967. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 9 points above Scott County's 32%.
The housing stock in Davenport is 68% single-family homes, 22% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 64% of owner-occupied homes in Davenport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 63% of occupied homes in Davenport are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
74% of homes in Davenport are primarily heated with natural gas.
FEMA rates Scott County's overall risk as Relatively Moderate, led by strong wind (Relatively High). 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.
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 | $166,400 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)