Home Insurance in Fox Lake, Wisconsin
Homes in Fox Lake carry a median value of $174,900 - 25% lower than the Dodge County median.
The typical home in Fox Lake was built around 1957. About 56% of homes were built before 1960, about 15 points above Dodge County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Fox Lake breaks down to 79% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
70% of owner-occupied homes in Fox Lake carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 53% of occupied homes in Fox Lake are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Fox Lake, 62% of homes are primarily heated with natural gas.
FEMA rates Dodge County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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 | $174,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)