Home Insurance in Beaver Dam, Wisconsin
With a median home value of $201,900, Beaver Dam is 13% lower than the Dodge County median.
The typical home in Beaver Dam was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 6 points above Dodge County's 42%.
In Beaver Dam, the housing stock is 63% single-family homes and 26% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Beaver Dam, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Beaver Dam are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Beaver Dam - 66% - are primarily heated with natural gas.
What's the biggest home insurance risk near Beaver Dam? FEMA's National Risk Index points to hail (Relatively Moderate) in Dodge County and Dodge County had 116 active NFIP flood policies as of September 2026. See the full Dodge 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 | $201,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Dodge County | 116 |
| 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)