Home Insurance in Windsor, Wisconsin
With a median home value of $425,600, Windsor is 8% 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 Windsor was built around 1994. About 10% of homes were built before 1960, about 10 points below Dane County's 21%.
Housing in Windsor breaks down to 79% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 73% of owner-occupied homes in Windsor have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Windsor are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Windsor - 78% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Windsor? FEMA's National Risk Index points to hail (Relatively High) in Dane County and 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 | $425,600 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)