Home Insurance in Edgerton, Wisconsin
With a median home value of $266,900, Edgerton is 15% higher than the Rock County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Edgerton was built around 1970. About 38% of homes were built before 1960, about 1 point above Rock County's 37%.
Housing in Edgerton breaks down to 70% single-family homes and 21% apartments in buildings with 5+ units.
73% of owner-occupied homes in Edgerton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Edgerton are owner-occupied.
Most homes in Edgerton - 62% - are primarily heated with natural gas.
What's the biggest home insurance risk near Edgerton? 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 | $266,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)