Home Insurance in Linden, Wisconsin
Homes in Linden carry a median value of $167,500 - 37% lower than the Iowa County median.
The typical home in Linden was built around 1954. About 57% of homes were built before 1960, about 20 points above 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 Linden is 74% single-family homes, 12% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Linden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Linden has an owner-occupancy rate of 81% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Linden - 60% - are primarily heated with natural gas. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Linden? FEMA's National Risk Index points to hail (Relatively Moderate) in Iowa County and 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 | $167,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 81% |
| 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)