Home Insurance in Monroe County, Wisconsin
Homes in Monroe County carry a median value of $210,000 - 21% lower than the Wisconsin median.
The typical home in Monroe County was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 31% of homes were built before 1960, about 2 points below Wisconsin's 33%.
The housing stock in Monroe County is 76% single-family homes, 9% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Monroe County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Monroe County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Monroe County, 47% of homes are primarily heated with natural gas.
The top hazards for Monroe County, per FEMA's National Risk Index, are hail (Relatively Moderate), strong wind (Relatively Moderate) and inland flooding (Relatively Moderate).
Monroe County had 109 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $210,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 109 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)