Home Insurance in McFarland, Wisconsin
With a median home value of $390,100, McFarland is close to the Dane County median.
The typical home in McFarland was built around 1989. About 11% of homes were built before 1960, about 10 points below Dane County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in McFarland is 75% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In McFarland, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
McFarland has an owner-occupancy rate of 73% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In McFarland, 76% of homes 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.
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 | $390,100 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)