Home Insurance in Brodhead, Wisconsin
The median home value in Brodhead is $168,800, 33% lower than the Green County median.
The typical home in Brodhead was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 52% of homes were built before 1960, about 13 points above Green County's 39%.
Housing in Brodhead breaks down to 67% single-family homes, 16% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 70% of owner-occupied homes in Brodhead have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Brodhead are owner-occupied.
Most homes in Brodhead - 66% - 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.
Green County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Green County had 59 active NFIP flood policies as of September 2026. See the full Green 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 | $168,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Green County | 59 |
| 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)