Home Insurance in Belleville, Wisconsin
With a median home value of $308,500, Belleville is 22% lower than the Dane County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Belleville was built around 1990. About 17% of homes were built before 1960, about 4 points below Dane County's 21%.
Housing in Belleville breaks down to 81% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 76% of owner-occupied homes in Belleville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Belleville has an owner-occupancy rate of 82% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Belleville, 80% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Belleville? FEMA's National Risk Index points to hail (Relatively High) in Dane County and Dane County had 971 active NFIP flood policies as of September 2026. See the full Dane 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 | $308,500 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Dane County | 971 |
| 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)