Home Insurance in Blanchardville, Wisconsin
With a median home value of $172,200, Blanchardville is 11% lower than the Lafayette County median.
The typical home in Blanchardville was built around 1942. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 67% of homes were built before 1960, about 21 points above Lafayette County's 46%.
Housing in Blanchardville breaks down to 77% single-family homes and 19% apartments in buildings with 5+ units.
About 65% of owner-occupied homes in Blanchardville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Blanchardville are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Blanchardville, 71% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Blanchardville? FEMA's National Risk Index points to hail (Relatively Moderate) in Lafayette County and 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 | $172,200 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)