HomeInsuranceQts

Home Insurance in Platteville, Wisconsin

With a median home value of $200,100, Platteville is close to the Grant County median.

The typical home in Platteville was built around 1971. About 31% of homes were built before 1960, about 3 points below Grant County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

In Platteville, the housing stock is 50% single-family homes and 35% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.

In Platteville, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 39% of occupied homes in Platteville are owner-occupied.

Most homes in Platteville - 56% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

FEMA rates Grant County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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$200,100
Median year built1971
Owner-occupied share39%
Share of owner-occupied homes with a mortgage50%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Grant County80
Home insurance premium$923 - statewide average (NAIC, 2023 data)
Key home insurance figures for Platteville, WI

Nearby towns

Sources

Data last updated: 2026-09-29