Home Insurance in West Baraboo, Wisconsin
Homes in West Baraboo carry a median value of $224,700 - 13% lower than the Sauk County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in West Baraboo was built around 1987. About 13% of homes were built before 1960, about 15 points below Sauk County's 28%.
The housing stock in West Baraboo is 46% single-family homes and 42% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In West Baraboo, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 40% of occupied homes in West Baraboo are owner-occupied.
In West Baraboo, 49% of homes are primarily heated with electricity.
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.
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 | $224,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)