Home Insurance in Amherst, Wisconsin
The median home value in Amherst is $244,300, close to the Portage County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Amherst was built around 1977. About 40% of homes were built before 1960, about 15 points above Portage County's 25%.
The housing stock in Amherst is 73% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 65% of owner-occupied homes in Amherst have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Amherst are owner-occupied.
In Amherst, 77% of homes are primarily heated with natural gas.
Portage County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Portage County had 55 active NFIP flood policies as of September 2026. See the full Portage 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 | $244,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Portage County | 55 |
| 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)