Home Insurance in Greendale, Wisconsin
The median home value in Greendale is $314,200, 36% higher than the Milwaukee County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Greendale was built around 1967. About 31% of homes were built before 1960, about 25 points below Milwaukee County's 56%.
Housing in Greendale breaks down to 70% single-family homes and 20% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Greendale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Greendale are owner-occupied.
76% of homes in Greendale are primarily heated with natural gas.
Milwaukee County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. 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.
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 | $314,200 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)