Home Insurance in Shorewood Hills, Wisconsin
The median home value in Shorewood Hills is $939,900, 138% 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 Shorewood Hills was built around 1968. About 42% of homes were built before 1960, about 21 points above Dane County's 21%.
The housing stock in Shorewood Hills is 61% single-family homes and 38% apartments in buildings with 5+ units.
About 60% of owner-occupied homes in Shorewood Hills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Shorewood Hills are owner-occupied.
In Shorewood Hills, 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.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $939,900 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)