Home Insurance in West Allis, Wisconsin
The median home value in West Allis is $203,800, 12% lower 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 West Allis was built around 1956. About 59% of homes were built before 1960, about 3 points above Milwaukee County's 56%.
The housing stock in West Allis is 53% single-family homes, 26% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 69% of owner-occupied homes in West Allis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 55% of occupied homes in West Allis are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in West Allis are primarily heated with natural gas.
FEMA rates Milwaukee County's overall risk as Relatively High, led by tornado (Very High). 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 | $203,800 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 55% |
| 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)