Home Insurance in Bloomington, Wisconsin
The median home value in Bloomington is $131,300, 35% lower than the Grant County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bloomington was built around 1960. About 50% of homes were built before 1960, about 16 points above Grant County's 35%.
In Bloomington, the housing stock is 86% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Bloomington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bloomington has an owner-occupancy rate of 89% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Bloomington, 78% of homes are primarily heated with natural gas.
Grant County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Grant County had 80 active NFIP flood policies as of September 2026. See the full Grant 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 | $131,300 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Grant County | 80 |
| 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)