Rock Island has 36,151 residents in 15,285 households. We list 3 insurance agencies in Rock Island. Here is what the local numbers say about the cover people here need.

Rock Island at a glance

3insurance agencies listed
35.2%of households rentRenters insurance
$125,900median home valueHome insurance
1954median year homes were builtRebuild cost calculator
12.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Rock Island County

FEMA rates the overall natural hazard risk in Rock Island County, where most Rock Island agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Illinois
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Illinois
Winter weatherRelatively High
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Illinois

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Questions

Insurance agencies in Rock Island

How do I find an insurance agency in Rock Island?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Rock Island?

FEMA's National Risk Index rates inland flooding risk in Rock Island County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Rock Island?

35.2% of households in Rock Island rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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