Home Insurance in South Wayne, Wisconsin
With a median home value of $130,600, South Wayne is 33% lower than the Lafayette County median.
The typical home in South Wayne was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 53% of homes were built before 1960, about 7 points above Lafayette County's 46%.
The housing stock in South Wayne is 73% single-family homes, 22% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 64% of owner-occupied homes in South Wayne have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in South Wayne are owner-occupied.
Most homes in South Wayne - 65% - are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lafayette County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $130,600 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)