Home Insurance in Hales Corners, Wisconsin
Homes in Hales Corners carry a median value of $309,800 - 34% higher than the Milwaukee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hales Corners was built around 1962. About 47% of homes were built before 1960, about 10 points below Milwaukee County's 56%.
In Hales Corners, the housing stock is 67% single-family homes and 26% apartments in buildings with 5+ units.
69% of owner-occupied homes in Hales Corners carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hales Corners has an owner-occupancy rate of 61% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Hales Corners, 77% of homes are primarily heated with natural gas.
Milwaukee County had 1,390 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Milwaukee County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $309,800 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)