Home Insurance in Middleton, Wisconsin
The median home value in Middleton is $484,200, 23% higher than the Dane County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Middleton was built around 1986. About 13% of homes were built before 1960, about 7 points below Dane County's 21%.
Housing in Middleton breaks down to 44% single-family homes and 47% apartments in buildings with 5+ units.
In Middleton, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 46% of occupied homes in Middleton are owner-occupied.
In Middleton, 71% of homes are primarily heated with natural gas.
FEMA rates Dane County's overall risk as Relatively Moderate, led by hail (Relatively High). 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 | $484,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)