Home Insurance in Eldridge, Iowa
With a median home value of $350,500, Eldridge is 58% higher than the Scott County median.
The typical home in Eldridge was built around 2002. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 26 points below Scott County's 32%.
In Eldridge, the housing stock is 80% single-family homes and 17% apartments in buildings with 5+ units.
In Eldridge, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Eldridge are owner-occupied.
Most homes in Eldridge - 83% - are primarily heated with natural gas.
What's the biggest home insurance risk near Eldridge? 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 | $350,500 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)