Home Insurance in Belgium, Wisconsin
With a median home value of $244,600, Belgium is 37% lower than the Ozaukee County median.
The typical home in Belgium was built around 1994. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 27% of homes were built before 1960, about 1 point above Ozaukee County's 25%.
Housing in Belgium breaks down to 68% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Belgium, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Belgium has an owner-occupancy rate of 86% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
82% of homes in Belgium are primarily heated with natural gas.
Ozaukee County had 425 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Ozaukee 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 | $244,600 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Ozaukee County | 425 |
| 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)