Home Insurance in Fort Atkinson, Wisconsin
The median home value in Fort Atkinson is $211,800, 23% lower than the Jefferson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fort Atkinson was built around 1964. About 46% of homes were built before 1960, about 8 points above Jefferson County's 38%.
Housing in Fort Atkinson breaks down to 74% single-family homes and 18% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Fort Atkinson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Fort Atkinson are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Fort Atkinson are primarily heated with natural gas.
Jefferson County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Jefferson County had 174 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $211,800 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Jefferson County | 174 |
| 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)