Home Insurance in River Hills, Wisconsin
With a median home value of $699,600, River Hills is 203% higher than the Milwaukee County median.
The typical home in River Hills was built around 1964. About 44% of homes were built before 1960, about 12 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 River Hills is 99% single-family homes and 1% mobile or manufactured homes.
In River Hills, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 92% of occupied homes in River Hills are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In River Hills, 85% 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 | $699,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)