Home Insurance in Bellevue, Wisconsin
With a median home value of $299,100, Bellevue is 12% higher than the Brown County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bellevue was built around 1996. About 3% of homes were built before 1960, about 19 points below Brown County's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bellevue is 59% single-family homes, 26% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Bellevue, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Bellevue are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in Bellevue are primarily heated with natural gas.
FEMA rates Brown County's overall risk as Relatively Moderate, led by hail (Relatively High). Brown County had 581 active NFIP flood policies as of September 2026. See the full Brown County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $299,100 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Brown County | 581 |
| Home insurance premium | $923 - 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)