Home Insurance in Merrimac, Wisconsin
The median home value in Merrimac is $276,600, 7% higher than the Sauk County median.
The typical home in Merrimac was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 17 points above Sauk County's 28%.
The housing stock in Merrimac is 86% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
67% of owner-occupied homes in Merrimac carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 80% of occupied homes in Merrimac are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Merrimac - 77% - are primarily heated with natural gas.
FEMA rates Sauk County's overall risk as Relatively Low, led by hail (Relatively Moderate). Sauk County had 132 active NFIP flood policies as of September 2026. See the full Sauk 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 | $276,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)