Home Insurance in Sauk County, Wisconsin
The median home value in Sauk County is $258,600, close to the Wisconsin median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sauk County was built around 1983. About 28% of homes were built before 1960, about 5 points below Wisconsin's 33%.
The housing stock in Sauk County is 72% single-family homes, 13% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sauk County, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Sauk County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Sauk County - 56% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Sauk County's top hazards are hail (Relatively Moderate), tornado (Relatively Moderate) and inland flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Sauk County has 132 active NFIP flood policies on file.
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 | $258,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 132 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Baraboo
- Ironton
- La Valle
- Lake Delton
- Lime Ridge
- Loganville
- Merrimac
- North Freedom
- Plain
- Prairie du Sac
- Reedsburg
- Rock Springs
- Sauk City
- Spring Green
- West Baraboo
Sources
- 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)