Home Insurance in Rock Springs, Wisconsin
With a median home value of $164,200, Rock Springs is 37% lower than the Sauk County median.
The typical home in Rock Springs was built around 1944. About 69% of homes were built before 1960, about 41 points above Sauk County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Rock Springs breaks down to 90% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
73% of owner-occupied homes in Rock Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Rock Springs are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Rock Springs, 82% of homes 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.
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 | $164,200 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)