Home Insurance in Stoughton, Wisconsin
With a median home value of $293,500, Stoughton is 26% lower than the Dane County median.
The typical home in Stoughton was built around 1979. About 24% of homes were built before 1960, about 4 points above Dane County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Stoughton breaks down to 68% single-family homes and 20% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in Stoughton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stoughton has an owner-occupancy rate of 67% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
75% of homes in Stoughton are primarily heated with natural gas.
Dane County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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 | $293,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 67% |
| 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)