Home Insurance in Burlington, Wisconsin
The median home value in Burlington is $276,600, 10% higher than the Racine County median.
The typical home in Burlington was built around 1970. About 37% of homes were built before 1960, about 3 points below Racine County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Burlington, the housing stock is 62% single-family homes and 32% apartments in buildings with 5+ units.
72% of owner-occupied homes in Burlington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Burlington are owner-occupied.
Most homes in Burlington - 74% - are primarily heated with natural gas.
Racine County had 334 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Racine 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 | $276,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Racine County | 334 |
| 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)