Home Insurance in Port Washington, Wisconsin
With a median home value of $296,300, Port Washington is 24% lower than the Ozaukee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Port Washington was built around 1975. About 28% of homes were built before 1960, about 2 points above Ozaukee County's 25%.
In Port Washington, the housing stock is 61% single-family homes and 27% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 70% of owner-occupied homes in Port Washington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Port Washington has an owner-occupancy rate of 66% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
72% of homes in Port Washington 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $296,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)