Home Insurance in Cashton, Wisconsin
With a median home value of $140,800, Cashton is 33% lower than the Monroe County median.
The typical home in Cashton was built around 1975. About 40% of homes were built before 1960, about 9 points above Monroe County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Cashton, the housing stock is 67% single-family homes, 6% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cashton, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cashton has an owner-occupancy rate of 84% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Cashton - 81% - are primarily heated with natural gas.
Monroe County had 109 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Monroe 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 | $140,800 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Monroe County | 109 |
| 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)