Home Insurance in Belmont, Wisconsin
The median home value in Belmont is $191,200, close to the Lafayette County median.
The typical home in Belmont was built around 1971. About 37% of homes were built before 1960, about 9 points below Lafayette County's 46%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Belmont is 76% single-family homes, 14% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 70% of owner-occupied homes in Belmont have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 73% of occupied homes in Belmont are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Belmont, 71% of homes are primarily heated with natural gas.
Lafayette County had 32 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Lafayette 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 | $191,200 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Lafayette County | 32 |
| 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)