Home Insurance in La Valle, Wisconsin
The median home value in La Valle is $121,400, 53% lower than the Sauk County median.
The median home in La Valle was built in 1939 or earlier. About 67% of homes were built before 1960, about 39 points above Sauk County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in La Valle breaks down to 87% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 69% of owner-occupied homes in La Valle have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
La Valle has an owner-occupancy rate of 79% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in La Valle - 78% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Sauk County had 132 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Sauk 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 | $121,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Sauk County | 132 |
| 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)