Home Insurance in Dodge County, Wisconsin
The median home value in Dodge County is $231,900, 13% lower than the Wisconsin median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dodge County was built around 1970. About 42% of homes were built before 1960, about 9 points above Wisconsin's 33%.
In Dodge County, the housing stock is 75% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Dodge County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Dodge County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Dodge County - 59% - 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.
Per FEMA's National Risk Index, Dodge County's top hazards are hail (Relatively Moderate), tornado (Relatively Moderate) and strong wind (Relatively Moderate).
As of September 2026, Dodge County has 116 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $231,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 116 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Beaver Dam
- Brownsville
- Clyman
- Fox Lake
- Horicon
- Hustisford
- Iron Ridge
- Juneau
- Kekoskee
- Lomira
- Lowell
- Mayville
- Neosho
- Randolph
- Reeseville
- Theresa
- Waupun
Sources
- 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)