Home Insurance in Monroe, Wisconsin
Homes in Monroe carry a median value of $195,300 - 22% lower than the Green County median.
The typical home in Monroe was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 42% of homes were built before 1960, about 3 points above Green County's 39%.
In Monroe, the housing stock is 66% single-family homes, 18% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Monroe carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Monroe are owner-occupied.
Most homes in Monroe - 77% - are primarily heated with natural gas.
What's the biggest home insurance risk near Monroe? FEMA's National Risk Index points to hail (Relatively Moderate) in Green County and 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 | $195,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)