Home Insurance in Lafayette County, Wisconsin
Homes in Lafayette County carry a median value of $194,500 - 27% lower than the Wisconsin median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lafayette County was built around 1966. About 46% of homes were built before 1960, about 12 points above Wisconsin's 33%.
The housing stock in Lafayette County is 86% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lafayette County, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lafayette County has an owner-occupancy rate of 80% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lafayette County, 41% of homes are primarily heated with natural gas.
The top hazards for Lafayette County, per FEMA's National Risk Index, are hail (Relatively Moderate), strong wind (Relatively Low) and tornado (Relatively Low).
As of September 2026, Lafayette County has 32 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $194,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 32 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)