Home Insurance in Potosi, Wisconsin
The median home value in Potosi is $187,500, 7% lower than the Grant County median.
The typical home in Potosi was built around 1967. About 36% of homes were built before 1960, about 2 points above Grant County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Potosi is 82% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 56% of owner-occupied homes in Potosi have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Potosi has an owner-occupancy rate of 73% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
68% of homes in Potosi are primarily heated with propane. Homes heated with propane and fuel oil 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 | $187,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)