Home Insurance in Dodgeville, Wisconsin
With a median home value of $242,600, Dodgeville is 8% lower than the Iowa County median.
The typical home in Dodgeville was built around 1974. About 32% of homes were built before 1960, about 5 points below Iowa County's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Dodgeville is 68% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
64% of owner-occupied homes in Dodgeville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dodgeville has an owner-occupancy rate of 63% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Dodgeville, 77% of homes are primarily heated with natural gas.
Iowa County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Iowa County had 25 active NFIP flood policies as of September 2026. 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 | $242,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)