Home Insurance in Racine County, Wisconsin
With a median home value of $251,400, Racine County is 6% lower than the Wisconsin median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Racine County was built around 1968. About 39% of homes were built before 1960, about 6 points above Wisconsin's 33%.
In Racine County, the housing stock is 75% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
66% of owner-occupied homes in Racine County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Racine County are owner-occupied.
Most homes in Racine County - 76% - are primarily heated with natural gas.
The top hazards for Racine County, per FEMA's National Risk Index, are tornado (Relatively High), hail (Relatively Moderate) and strong wind (Relatively High).
Racine County had 334 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $251,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 334 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Burlington
- Caledonia
- Elmwood Park
- Mount Pleasant
- North Bay
- Racine
- Raymond
- Rochester
- Sturtevant
- Union Grove
- Waterford
- Wind Point
- Yorkville
Sources
- 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)