Home Insurance in Evansville, Wisconsin
With a median home value of $276,400, Evansville is 19% higher than the Rock County median.
The typical home in Evansville was built around 1984. About 36% of homes were built before 1960, about 1 point below Rock County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Evansville is 74% single-family homes and 17% apartments in buildings with 5+ units.
77% of owner-occupied homes in Evansville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Evansville are owner-occupied.
In Evansville, 82% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Evansville? 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.
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 | $276,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)