Home Insurance in Janesville, Wisconsin
With a median home value of $223,400, Janesville is close to the Rock County median.
The typical home in Janesville was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 7 points below Rock County's 37%.
In Janesville, the housing stock is 74% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
61% of owner-occupied homes in Janesville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Janesville has an owner-occupancy rate of 67% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Janesville - 75% - are primarily heated with natural gas.
Rock County had 277 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Rock County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $223,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 67% |
| 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)