Home Insurance in Columbus, Wisconsin
The median home value in Columbus is $230,600, 19% lower than the Columbia County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Columbus was built around 1961. About 49% of homes were built before 1960, about 15 points above Columbia County's 35%.
In Columbus, the housing stock is 68% single-family homes, 25% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
77% of owner-occupied homes in Columbus carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Columbus are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Columbus - 70% - are primarily heated with natural gas.
Columbia County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. Columbia County had 161 active NFIP flood policies as of September 2026. See the full Columbia 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 | $230,600 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Columbia County | 161 |
| 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)