Home Insurance in Mineral Point, Wisconsin
Homes in Mineral Point carry a median value of $212,200 - 20% lower than the Iowa County median.
The typical home in Mineral Point was built around 1950. About 62% of homes were built before 1960, about 24 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.
In Mineral Point, the housing stock is 79% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Mineral Point, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Mineral Point are owner-occupied.
75% of homes in Mineral Point are primarily heated with natural gas.
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 | $212,200 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 69% |
| 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)