Home Insurance in Walworth County, Wisconsin
The median home value in Walworth County is $302,700, 14% higher than the Wisconsin median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Walworth County was built around 1977. About 30% of homes were built before 1960, about 3 points below Wisconsin's 33%.
Housing in Walworth County breaks down to 75% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 63% of owner-occupied homes in Walworth County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Walworth County has an owner-occupancy rate of 71% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Walworth County - 75% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Walworth County's top hazards are hail (Relatively High), tornado (Relatively Moderate) and strong wind (Relatively Moderate).
As of September 2026, Walworth County has 128 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $302,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 128 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bloomfield
- Darien
- Delavan
- East Troy
- Elkhorn
- Fontana-on-Geneva Lake
- Genoa City
- Lake Geneva
- Sharon
- Walworth
- Whitewater
- Williams Bay
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)