Home Insurance in Lodi, Wisconsin
The median home value in Lodi is $328,200, 16% higher than the Columbia County median.
The typical home in Lodi was built around 1989. About 33% of homes were built before 1960, about 2 points below Columbia County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Lodi, the housing stock is 77% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
77% of owner-occupied homes in Lodi carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lodi has an owner-occupancy rate of 75% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Lodi - 93% - are primarily heated with natural gas.
FEMA rates Columbia County's overall risk as Relatively Moderate, led by hail (Very High). 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.
The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $328,200 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 75% |
| 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)