HomeInsuranceQts

Home Insurance in Sauk City, Wisconsin

The median home value in Sauk City is $291,400, 13% higher than the Sauk County median.

The typical home in Sauk City was built around 1974. About 36% of homes were built before 1960, about 8 points above Sauk County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

Housing in Sauk City breaks down to 72% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.

In Sauk City, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Sauk City are owner-occupied.

78% of homes in Sauk City 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.

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$291,400
Median year built1974
Owner-occupied share70%
Share of owner-occupied homes with a mortgage76%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Sauk County132
Home insurance premium$923 - statewide average (NAIC, 2023 data)
Key home insurance figures for Sauk City, WI

Nearby towns

Sources

Data last updated: 2026-09-29