Home Insurance in Rockdale, Wisconsin
The median home value in Rockdale is $291,700, 26% lower than the Dane County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Rockdale was built around 1973. About 45% of homes were built before 1960, about 25 points above Dane County's 21%.
In Rockdale, the housing stock is 97% single-family homes.
In Rockdale, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Rockdale are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Rockdale, 70% 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 | $291,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)