Home Insurance in Cross Plains, Wisconsin
Homes in Cross Plains carry a median value of $376,500 - close to the Dane County median.
The typical home in Cross Plains was built around 1986. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 20% of homes were built before 1960, in line with Dane County (21%).
The housing stock in Cross Plains is 72% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
75% of owner-occupied homes in Cross Plains carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Cross Plains are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Cross Plains - 71% - are primarily heated with natural gas.
Dane County had 971 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Dane County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $376,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)