Home Insurance in Cottage Grove, Wisconsin
With a median home value of $449,700, Cottage Grove is 14% higher than the Dane County median.
The typical home in Cottage Grove was built around 2003. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 6% of homes were built before 1960, about 15 points below Dane County's 21%.
Housing in Cottage Grove breaks down to 69% single-family homes and 21% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
90% of owner-occupied homes in Cottage Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Cottage Grove are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in Cottage Grove 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 | $449,700 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 90% |
| 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)