Home Insurance in Plain, Wisconsin
With a median home value of $234,200, Plain is 9% lower than the Sauk County median.
The typical home in Plain was built around 1957. About 54% of homes were built before 1960, about 26 points above Sauk County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Plain is 81% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Plain, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Plain has an owner-occupancy rate of 79% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
81% of homes in Plain 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.
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 | $234,200 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)