Home Insurance in Darlington, Wisconsin
The median home value in Darlington is $155,100, 20% lower than the Lafayette County median.
The typical home in Darlington was built around 1960. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 50% of homes were built before 1960, about 5 points above Lafayette County's 46%.
In Darlington, the housing stock is 73% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 54% of owner-occupied homes in Darlington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Darlington has an owner-occupancy rate of 68% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
67% of homes in Darlington are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $155,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)