Home Insurance in Grant County, Wisconsin
With a median home value of $200,700, Grant County is 25% lower than the Wisconsin median.
The typical home in Grant County was built around 1973. About 35% of homes were built before 1960, about 1 point above Wisconsin's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Grant County is 77% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 53% of owner-occupied homes in Grant County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Grant County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
45% of homes in Grant County are primarily heated with natural gas. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Grant County's top hazards are hail (Relatively Moderate), strong wind (Relatively Moderate) and tornado (Relatively Moderate).
As of September 2026, Grant County has 80 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 | $200,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 80 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bagley
- Bloomington
- Blue River
- Boscobel
- Cassville
- Cuba City
- Dickeyville
- Fennimore
- Hazel Green
- Lancaster
- Livingston
- Montfort
- Mount Hope
- Muscoda
- Patch Grove
- Platteville
- Potosi
- Tennyson
- Woodman
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)