Home Insurance in Reedsburg, Wisconsin
The median home value in Reedsburg is $229,100, 11% lower than the Sauk County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Reedsburg was built around 1991. About 22% of homes were built before 1960, about 6 points below Sauk County's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Reedsburg is 64% single-family homes, 17% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 58% of owner-occupied homes in Reedsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Reedsburg has an owner-occupancy rate of 61% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Reedsburg - 73% - 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.
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 | $229,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)