Home Insurance in Dane County, Wisconsin
The median home value in Dane County is $394,800, 48% higher than the Wisconsin median.
The typical home in Dane County was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 21% of homes were built before 1960, about 13 points below Wisconsin's 33%.
Housing in Dane County breaks down to 57% single-family homes, 34% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Dane County, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 57% of occupied homes in Dane County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dane County - 68% - are primarily heated with natural gas.
The top hazards for Dane County, per FEMA's National Risk Index, are hail (Relatively High), tornado (Relatively High) and inland flooding (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Dane County has 971 active NFIP flood policies on file.
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 | $394,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 971 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Belleville
- Black Earth
- Blue Mounds
- Cambridge
- Cottage Grove
- Cross Plains
- Dane
- DeForest
- Deerfield
- Fitchburg
- Madison
- Marshall
- McFarland
- Middleton
- Monona
- Mount Horeb
- Oregon
- Rockdale
- Shorewood Hills
- Stoughton
- Sun Prairie
- Verona
- Waunakee
- Windsor
Smaller communities
-
Maple Bluff
- Median home value: $882,700
- Median year built: 1947
- Owner-occupied share: 92%
-
Mazomanie
- Median home value: $289,400
- Median year built: 1976
- Owner-occupied share: 78%
Sources
- 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)