Home Insurance in Beloit, Wisconsin
With a median home value of $156,500, Beloit is 32% lower than the Rock County median.
The typical home in Beloit was built around 1957. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 55% of homes were built before 1960, about 18 points above Rock County's 37%.
Housing in Beloit breaks down to 77% single-family homes and 14% apartments in buildings with 5+ units.
About 61% of owner-occupied homes in Beloit have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in Beloit are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Beloit, 77% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Beloit? FEMA's National Risk Index points to hail (Relatively High) in Rock County and Rock County had 277 active NFIP flood policies as of September 2026. See the full Rock 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 | $156,500 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Rock County | 277 |
| 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)