Home Insurance in Princeton, Iowa
With a median home value of $266,200, Princeton is 20% higher than the Scott County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Princeton was built around 1972. About 37% of homes were built before 1960, about 5 points above Scott County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Princeton is 82% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
69% of owner-occupied homes in Princeton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Princeton has an owner-occupancy rate of 85% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
73% of homes in Princeton are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Scott County had 688 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Scott 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 | $266,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)