Home Insurance in Bloomfield, Wisconsin
The median home value in Bloomfield is $236,100, 22% lower than the Walworth County median.
The typical home in Bloomfield was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 40% of homes were built before 1960, about 10 points above Walworth County's 30%.
Housing in Bloomfield breaks down to 96% single-family homes and 3% mobile or manufactured homes.
In Bloomfield, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bloomfield has an owner-occupancy rate of 81% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Bloomfield - 95% - are primarily heated with natural gas.
Walworth County had 128 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Walworth 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 | $236,100 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Walworth County | 128 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Nearby towns
- Genoa City
- Lake Geneva
- Twin Lakes
- Burlington
- Williams Bay
- Fontana-on-Geneva Lake
- Salem Lakes
- Walworth
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)