Home Insurance in Livingston, Wisconsin
With a median home value of $166,000, Livingston is 17% 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 Livingston was built around 1967. About 41% of homes were built before 1960, about 6 points above Grant County's 35%.
In Livingston, the housing stock is 92% single-family homes and 5% apartments in buildings with 5+ units.
In Livingston, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Livingston are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Livingston - 74% - 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 | $166,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)