Home Insurance in Cobb, Wisconsin
Homes in Cobb carry a median value of $176,300 - 33% lower than the Iowa County median.
The typical home in Cobb was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 47% of homes were built before 1960, about 9 points above Iowa County's 38%.
Housing in Cobb breaks down to 94% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Cobb, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cobb has an owner-occupancy rate of 86% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Cobb, 67% 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.
Iowa County had 25 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Iowa County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $176,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Iowa County | 25 |
| 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)