Home Insurance in Bayside, Wisconsin
Homes in Bayside carry a median value of $431,900 - 87% higher than the Milwaukee County median.
The typical home in Bayside was built around 1968. About 30% of homes were built before 1960, about 26 points below Milwaukee County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Bayside is 80% single-family homes and 18% apartments in buildings with 5+ units.
In Bayside, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Bayside are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bayside - 87% - are primarily heated with natural gas.
What's the biggest home insurance risk near Bayside? FEMA's National Risk Index points to tornado (Very High) in Milwaukee County and Milwaukee County had 1,390 active NFIP flood policies as of September 2026. See the full Milwaukee 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 | $431,900 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Milwaukee County | 1,390 |
| 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)