Home Insurance in Pardeeville, Wisconsin
Homes in Pardeeville carry a median value of $230,400 - 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 Pardeeville was built around 1967. About 41% of homes were built before 1960, about 6 points above Columbia County's 35%.
Housing in Pardeeville breaks down to 71% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
67% of owner-occupied homes in Pardeeville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pardeeville has an owner-occupancy rate of 65% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Pardeeville - 72% - are primarily heated with natural gas.
What's the biggest home insurance risk near Pardeeville? FEMA's National Risk Index points to hail (Very High) in Columbia County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $230,400 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)