Home Insurance in Benton, Wisconsin
With a median home value of $157,400, Benton is 19% lower than the Lafayette County median.
The typical home in Benton was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 48% of homes were built before 1960, about 3 points above Lafayette County's 46%.
The housing stock in Benton is 94% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 66% of owner-occupied homes in Benton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Benton are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 78% of homes in Benton are primarily heated with natural gas.
FEMA rates Lafayette County's overall risk as Very Low, led by hail (Relatively Moderate). Lafayette County had 32 active NFIP flood policies as of September 2026. See the full Lafayette 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 | $157,400 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)