Home Insurance in Cuba City, Wisconsin
Homes in Cuba City carry a median value of $188,600 - 6% lower than the Grant County median.
The typical home in Cuba City was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 3 points above Grant County's 35%.
In Cuba City, the housing stock is 86% single-family homes and 11% apartments in buildings with 5+ units.
69% of owner-occupied homes in Cuba City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Cuba City are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in Cuba City are primarily heated with natural gas.
Grant County had 80 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Grant 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 | $188,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)