Home Insurance in Yorkville, Wisconsin
Homes in Yorkville carry a median value of $385,200 - 53% higher than the Racine County median.
The typical home in Yorkville was built around 1981. About 25% of homes were built before 1960, about 14 points below Racine County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Yorkville is 86% single-family homes, 1% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
62% of owner-occupied homes in Yorkville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 91% of occupied homes in Yorkville are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Yorkville - 65% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $385,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)