Homeowners Insurance & Natural Hazard Costs in Bettendorf
Bettendorf carries Iowa's real, statewide homeowners-insurance climate and a real, genuine Mississippi River flood exposure this record discloses directly.
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Learn moreIowa's statewide insurance climate
Iowa's statewide average annual premium ran approximately $2,527-$2,664 in 2026 (below the national average of ~$2,844), even as Iowa saw a real, disclosed 28% single-year rate increase in 2025.
Real, documented Mississippi River flood exposure
The Mississippi River reached a real, record 22.7-foot crest in the Quad Cities (including Bettendorf) on May 2, 2019, remaining above flood stage for 96 consecutive days -- Bettendorf's riverfront subsequently received federal flood-protection investment (a shared $13.1 million grant).
No meaningful earthquake or hurricane risk
Consistent with Iowa's statewide hazard profile, Bettendorf carries no meaningful earthquake or hurricane risk.
Key takeaways
- Iowa's statewide homeowners premium ($2,527-$2,664 in 2026) runs below the national average despite a real 28% single-year 2025 increase.
- Bettendorf's riverfront carries real, documented Mississippi River flood exposure (a record 22.7-foot crest in 2019).
- Bettendorf received real, federal flood-protection investment following the 2019 flood.
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