Home Insurance in Wind Point, Wisconsin
The median home value in Wind Point is $306,600, 22% higher than the Racine County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Wind Point was built around 1974. About 13% of homes were built before 1960, about 27 points below Racine County's 39%.
The housing stock in Wind Point is 98% single-family homes.
About 55% of owner-occupied homes in Wind Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 98% of occupied homes in Wind Point are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Wind Point, 88% of homes 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 | $306,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 98% |
| 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)