Home Insurance in Shullsburg, Wisconsin
Homes in Shullsburg carry a median value of $148,800 - 23% lower than the Lafayette County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Shullsburg was built around 1946. About 60% of homes were built before 1960, about 14 points above Lafayette County's 46%.
The housing stock in Shullsburg is 89% single-family homes, 7% 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 Shullsburg, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Shullsburg are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Shullsburg 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.
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 | $148,800 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)