HomeInsuranceQts

Home Insurance in Caledonia, Wisconsin

With a median home value of $303,400, Caledonia is 21% higher than the Racine County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Caledonia was built around 1978. About 18% of homes were built before 1960, about 22 points below Racine County's 39%.

In Caledonia, the housing stock is 85% single-family homes and 12% apartments in buildings with 5+ units.

About 68% of owner-occupied homes in Caledonia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Caledonia are owner-occupied.

Most homes in Caledonia - 81% - are primarily heated with natural gas.

FEMA rates Racine County's overall risk as Relatively Moderate, led by tornado (Relatively High). Racine County had 334 active NFIP flood policies as of September 2026. 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$303,400
Median year built1978
Owner-occupied share81%
Share of owner-occupied homes with a mortgage68%
Top county hazardTornado (Relatively High)
Active NFIP policies in Racine County334
Home insurance premium$923 - statewide average (NAIC, 2023 data)
Key home insurance figures for Caledonia, WI

Nearby towns

Sources

Data last updated: 2026-09-29