Home Insurance in Ridgeway, Wisconsin
Homes in Ridgeway carry a median value of $202,700 - 24% lower than the Iowa County median.
The typical home in Ridgeway was built around 1979. About 33% of homes were built before 1960, about 4 points below Iowa County's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Ridgeway, the housing stock is 78% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 71% of owner-occupied homes in Ridgeway have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ridgeway has an owner-occupancy rate of 82% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Ridgeway - 77% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $202,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)