Home Insurance in Oregon, Wisconsin
With a median home value of $417,200, Oregon is 6% higher than the Dane County median.
The typical home in Oregon was built around 1993. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 11% of homes were built before 1960, about 10 points below Dane County's 21%.
Housing in Oregon breaks down to 75% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Oregon, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oregon has an owner-occupancy rate of 72% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Oregon, 72% 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.
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 | 1993 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)