Home Insurance in Orfordville, Wisconsin
Homes in Orfordville carry a median value of $194,900 - 16% lower than the Rock County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Orfordville was built around 1968. About 30% of homes were built before 1960, about 7 points below Rock County's 37%.
Housing in Orfordville breaks down to 76% single-family homes and 21% apartments in buildings with 5+ units.
About 75% of owner-occupied homes in Orfordville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Orfordville has an owner-occupancy rate of 72% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Orfordville - 73% - are primarily heated with natural gas.
FEMA rates Rock County's overall risk as Relatively Moderate, led by hail (Relatively High). 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 | $194,900 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)