Home Insurance in Blue Mounds, Wisconsin
Homes in Blue Mounds carry a median value of $337,700 - 14% lower than the Dane County median.
The typical home in Blue Mounds was built around 1994. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 25% of homes were built before 1960, about 4 points above Dane County's 21%.
In Blue Mounds, the housing stock is 63% single-family homes, 5% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Blue Mounds, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Blue Mounds has an owner-occupancy rate of 72% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Blue Mounds - 73% - are primarily heated with natural gas.
Dane County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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 | $337,700 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)