Home Insurance in Johnson Creek, Wisconsin
Homes in Johnson Creek carry a median value of $314,200 - 15% higher than the Jefferson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Johnson Creek was built around 2001. About 18% of homes were built before 1960, about 20 points below Jefferson County's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Johnson Creek is 69% single-family homes, 6% apartments in buildings with 5+ units and 14% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Johnson Creek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Johnson Creek are owner-occupied.
80% of homes in Johnson Creek 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.
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 | $314,200 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)