Home Insurance in Wisconsin Dells, Wisconsin
The median home value in Wisconsin Dells is $207,100, 27% lower than the Columbia County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wisconsin Dells was built around 1972. About 37% of homes were built before 1960, about 3 points above Columbia County's 35%.
Housing in Wisconsin Dells breaks down to 56% single-family homes, 24% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 54% of owner-occupied homes in Wisconsin Dells have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 54% of occupied homes in Wisconsin Dells are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
63% of homes in Wisconsin Dells are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $207,100 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)