Home Insurance in Prairie du Sac, Wisconsin
The median home value in Prairie du Sac is $321,300, 24% higher than the Sauk County median.
The typical home in Prairie du Sac was built around 1990. About 23% of homes were built before 1960, about 5 points below Sauk County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Prairie du Sac breaks down to 74% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Prairie du Sac, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Prairie du Sac are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 74% of homes in Prairie du Sac are primarily heated with natural gas.
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.
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 | $321,300 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)