Home Insurance in Footville, Wisconsin
The median home value in Footville is $160,800, 31% lower than the Rock County median.
The typical home in Footville was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 53% of homes were built before 1960, about 16 points above Rock County's 37%.
In Footville, the housing stock is 86% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Footville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Footville are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Footville, 68% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Footville? 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 | $160,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)