Home Insurance in Black Earth, Wisconsin
With a median home value of $290,800, Black Earth is 26% lower than the Dane County median.
The typical home in Black Earth was built around 1977. About 35% of homes were built before 1960, about 14 points above Dane County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Black Earth is 84% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Black Earth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Black Earth are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Black Earth, 85% of homes are primarily heated with natural gas.
FEMA rates Dane County's overall risk as Relatively Moderate, led by hail (Relatively High). 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.
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 | $290,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)