Home Insurance in Darien, Wisconsin
With a median home value of $211,600, Darien is 30% lower than the Walworth County median.
The typical home in Darien was built around 1976. About 40% of homes were built before 1960, about 9 points above Walworth County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Darien breaks down to 83% single-family homes and 13% apartments in buildings with 5+ units.
In Darien, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Darien has an owner-occupancy rate of 81% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
90% of homes in Darien are primarily heated with natural gas.
What's the biggest home insurance risk near Darien? FEMA's National Risk Index points to hail (Relatively High) in Walworth County and Walworth County had 128 active NFIP flood policies as of September 2026. 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 | $211,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Walworth County | 128 |
| 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)