Home Insurance in Montfort, Wisconsin
With a median home value of $158,000, Montfort is 21% lower than the Grant County median.
The typical home in Montfort was built around 1964. About 47% of homes were built before 1960, about 12 points above Grant County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Montfort, the housing stock is 92% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
49% of owner-occupied homes in Montfort carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Montfort are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Montfort, 70% of homes are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Montfort? FEMA's National Risk Index points to hail (Relatively Moderate) in Grant County and 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.
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 | $158,000 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)