Home Insurance in Wilton, Wisconsin
The median home value in Wilton is $166,800, 21% lower than the Monroe County median.
The typical home in Wilton was built around 1953. About 58% of homes were built before 1960, about 27 points above Monroe County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Wilton, the housing stock is 89% single-family homes and 7% apartments in buildings with 5+ units.
About 59% of owner-occupied homes in Wilton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wilton has an owner-occupancy rate of 82% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Wilton, 74% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $166,800 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)