Home Insurance in Whitefish Bay, Wisconsin
With a median home value of $533,800, Whitefish Bay is 131% higher than the Milwaukee County median.
The typical home in Whitefish Bay was built around 1944. About 84% of homes were built before 1960, about 28 points above Milwaukee County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Whitefish Bay breaks down to 84% single-family homes and 9% apartments in buildings with 5+ units.
In Whitefish Bay, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Whitefish Bay are owner-occupied.
Most homes in Whitefish Bay - 80% - 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.
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 | $533,800 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 83% |
| 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)