Home Insurance in Rock County, Wisconsin
With a median home value of $231,600, Rock County is 13% lower than the Wisconsin median.
The typical home in Rock County was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 37% of homes were built before 1960, about 4 points above Wisconsin's 33%.
Housing in Rock County breaks down to 79% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Rock County, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rock County has an owner-occupancy rate of 71% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Rock County - 70% - 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.
FEMA's National Risk Index lists hail (Relatively High), tornado (Relatively High) and inland flooding (Relatively Moderate) as the leading hazards for Rock County.
Rock County had 277 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $231,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 277 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)