HomeInsuranceQts

Home Insurance in Cedarburg, Wisconsin

The median home value in Cedarburg is $422,000, 8% higher than the Ozaukee County median.

The typical home in Cedarburg was built around 1977. About 27% of homes were built before 1960, about 1 point above Ozaukee County's 25%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

The housing stock in Cedarburg is 67% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.

In Cedarburg, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Cedarburg are owner-occupied.

In Cedarburg, 81% of homes 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$422,000
Median year built1977
Owner-occupied share62%
Share of owner-occupied homes with a mortgage66%
Top county hazardHail (Relatively Low)
Active NFIP policies in Ozaukee County425
Home insurance premium$923 - statewide average (NAIC, 2023 data)
Key home insurance figures for Cedarburg, WI

Nearby towns

Sources

Data last updated: 2026-09-29