Home Insurance in Riverdale, Iowa
The median home value in Riverdale is $276,300, 24% higher than the Scott County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Riverdale was built around 1958. About 57% of homes were built before 1960, about 24 points above Scott County's 32%.
The housing stock in Riverdale is 97% single-family homes and 2% apartments in buildings with 5+ units.
In Riverdale, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Riverdale has an owner-occupancy rate of 82% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Riverdale, 79% of homes are primarily heated with natural gas.
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.
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 | $276,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)