Home Insurance in Fitchburg, Wisconsin
With a median home value of $417,200, Fitchburg is 6% higher than the Dane County median.
The typical home in Fitchburg was built around 1996. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 6% of homes were built before 1960, about 15 points below Dane County's 21%.
The housing stock in Fitchburg is 45% single-family homes and 50% apartments in buildings with 5+ units.
In Fitchburg, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fitchburg has an owner-occupancy rate of 48% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
64% of homes in Fitchburg are primarily heated with natural gas.
What's the biggest home insurance risk near Fitchburg? 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 | $417,200 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)