HomeInsuranceQts

Home Insurance in Watertown, Wisconsin

The median home value in Watertown is $222,100, 19% 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 Watertown was built around 1969. About 43% of homes were built before 1960, about 5 points above Jefferson County's 38%.

In Watertown, the housing stock is 69% single-family homes and 20% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.

64% of owner-occupied homes in Watertown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Watertown has an owner-occupancy rate of 62% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.

75% of homes in Watertown are primarily heated with natural gas.

FEMA rates Jefferson County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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$222,100
Median year built1969
Owner-occupied share62%
Share of owner-occupied homes with a mortgage64%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Jefferson County174
Home insurance premium$923 - statewide average (NAIC, 2023 data)
Key home insurance figures for Watertown, WI

Nearby towns

Sources

Data last updated: 2026-09-29