Home Insurance in Raymond, Wisconsin
The median home value in Raymond is $389,700, 55% higher than the Racine County median.
The typical home in Raymond was built around 1972. About 37% of homes were built before 1960, about 2 points below Racine County's 39%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Raymond breaks down to 96% single-family homes and 2% mobile or manufactured homes.
In Raymond, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 94% of occupied homes in Raymond are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Raymond - 61% - are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $389,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)