Home Insurance in Horicon, Wisconsin
Homes in Horicon carry a median value of $172,500 - 26% lower than the Dodge County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Horicon was built around 1963. About 42% of homes were built before 1960, in line with Dodge County (42%).
Housing in Horicon breaks down to 62% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 64% of owner-occupied homes in Horicon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 66% of occupied homes in Horicon are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
79% of homes in Horicon 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.
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 | $172,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)