Home Insurance in Randolph, Wisconsin
The median home value in Randolph is $176,800, 24% lower than the Dodge County median.
The typical home in Randolph was built around 1953. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 58% of homes were built before 1960, about 16 points above Dodge County's 42%.
In Randolph, the housing stock is 76% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 61% of owner-occupied homes in Randolph have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Randolph has an owner-occupancy rate of 72% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Randolph - 74% - are primarily heated with natural gas.
Dodge County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $176,800 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)