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Flood insurance cost · Scott County, IA

Flood insurance cost in Scott County, Iowa

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 535 home policies in force on August 31, 2026.

Scott County, IowaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,239a year

Half of insured homes paid between $890 and $1,788. That is 18% more than the Iowa median ($1,054). Most insured homes here are rated in zone AE (75%).

$0$890 · $1,239 · $1,788$2,235
+8.7% vs Aug 31, 2025 (median $1,140)
535home policies in force
$1,502average cost (mean)
80%of insured homes in high-risk zones (A, V)
$138,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Scott County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,318$994–$1,979$1,623401 (75%)+7.2%
Zone A
High risk		$1,328$1,166–$1,684$1,42227 (5%)+16.9%
Zone X
Moderate to low risk		$933$605–$1,278$1,072107 (20%)+1.4%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Scott County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home517$1,239$1,507
2–4 unit building11$1,979$1,683
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		20$5,282$5,779
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		135$2,998$3,602

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

690NFIP policies in force, any building
691insured units (condo association policies count every unit)
41%of home policies also cover contents
$30,000median contents coverage, when bought

One year on: Scott County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force560535−4.5%
Median annual cost$1,140$1,239+8.7%
Average annual cost$1,437$1,502+4.5%
All policies in force (any building)724690−4.7%

How many homes have flood insurance?

0.9%of all homes in Scott County have an NFIP policy
24.3%of homes in high-risk zones (special flood hazard area) have one
61,163residential buildings counted by FEMA
1,816of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Scott County, Iowa have filed 2,267 flood claims. 1,853 received a payment, for a total of $34.9 million (an average of $18,849 per paid claim). The year with the most claims was 1990 (379 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 78 claims, 58 paid, $284,618 in total19801982: 66 claims, 53 paid, $208,889 in total1983: 31 claims, 23 paid, $59,303 in total1986: 46 claims, 33 paid, $65,975 in total1990: 379 claims, 301 paid, $5,241,823 in total199019901992: 13 claims1993: 214 claims, 183 paid, $3,984,171 in total1996: 29 claims, 18 paid, $87,511 in total1997: 107 claims, 93 paid, $675,275 in total1998: 14 claims, 12 paid, $137,409 in total1999: 14 claims, 10 paid, $73,653 in total20002001: 270 claims, 225 paid, $4,066,993 in total20012002: 54 claims, 37 paid, $323,013 in total2004: 11 claims2008: 347 claims, 306 paid, $5,352,215 in total20082010: 15 claims20102011: 98 claims, 81 paid, $938,435 in total2013: 87 claims, 75 paid, $729,982 in total2014: 85 claims, 72 paid, $2,299,255 in total2018: 19 claims, 17 paid, $375,703 in total2019: 144 claims, 127 paid, $6,108,206 in total20202023: 45 claims, 39 paid, $1,016,662 in total2024: 24 claims, 21 paid, $279,246 in total2025: 16 claims, 12 paid, $413,426 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (24)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251612$413,426$34,452
20242421$279,246$13,297
20234539$1,016,662$26,068
2019144127$6,108,206$48,096
20181917$375,703$22,100
20148572$2,299,255$31,934
20138775$729,982$9,733
20119881$938,435$11,586
201015<10––
2008347306$5,352,215$17,491
200411<10––
20025437$323,013$8,730
2001270225$4,066,993$18,076
19991410$73,653$7,365
19981412$137,409$11,451
199710793$675,275$7,261
19962918$87,511$4,862
1993214183$3,984,171$21,771
199213<10––
1990379301$5,241,823$17,415
19864633$65,975$1,999
19833123$59,303$2,578
19826653$208,889$3,941
19797858$284,618$4,907

From 2016 to 2026: 248 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Main NFIP communities in the county

Davenport (269 home policies) · Bettendorf (115 home policies) · Unincorporated Scott County (86 home policies) · Buffalo (22 home policies) · Le Claire (17 home policies)