Home Insurance in Sullivan, Wisconsin
Homes in Sullivan carry a median value of $257,400 - 6% lower than the Jefferson County median.
The typical home in Sullivan was built around 1976. About 37% of homes were built before 1960, about 1 point below Jefferson County's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Sullivan, the housing stock is 55% single-family homes and 26% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 73% of owner-occupied homes in Sullivan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 44% of occupied homes in Sullivan are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sullivan - 62% - 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.
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 | $257,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)