Home Insurance in Sturtevant, Wisconsin
The median home value in Sturtevant is $253,800, close to the Racine County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sturtevant was built around 1979. About 20% of homes were built before 1960, about 20 points below Racine County's 39%.
In Sturtevant, the housing stock is 77% single-family homes and 21% apartments in buildings with 5+ units.
In Sturtevant, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Sturtevant are owner-occupied.
82% of homes in Sturtevant 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 | $253,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)