Home Insurance in Saukville, Wisconsin
The median home value in Saukville is $299,600, 23% lower than the Ozaukee County median.
The typical home in Saukville was built around 1977. About 13% of homes were built before 1960, about 12 points below Ozaukee County's 25%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Saukville breaks down to 66% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 76% of owner-occupied homes in Saukville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Saukville has an owner-occupancy rate of 55% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Saukville, 70% of homes are primarily heated with natural gas.
Ozaukee County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Ozaukee County had 425 active NFIP flood policies as of September 2026. 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 | $299,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)