Home Insurance in North Freedom, Wisconsin
Homes in North Freedom carry a median value of $157,700 - 39% lower than the Sauk County median.
The median home in North Freedom was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 66% of homes were built before 1960, about 38 points above Sauk County's 28%.
The housing stock in North Freedom is 80% single-family homes, 3% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in North Freedom have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in North Freedom are owner-occupied.
74% of homes in North Freedom are primarily heated with natural gas.
Sauk County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $157,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)