Homeowners Insurance & Natural Hazard Costs in Clinton
Clinton carries Iowa's real, statewide homeowners-insurance climate and a real, actively-managed Mississippi River flood exposure.
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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.
A real, actively-managed levee system
Clinton maintains a real, current Mississippi River levee (Mill Creek to 25th Avenue North), built following a documented 1965 flood that inundated half the city -- a real, disclosed contrast with Davenport's deliberate no-permanent-floodwall choice.
Active, ongoing flood-risk investment
Clinton received a real, current $650,000 state grant for an ongoing flood-prevention study -- a real, disclosed sign of continued flood-risk management.
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.
- Clinton maintains an active Mississippi River levee, unlike neighboring Davenport's deliberate no-floodwall choice.
- Clinton received state funding for an ongoing, current flood-prevention study.
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