Home Insurance in East Troy, Wisconsin
Homes in East Troy carry a median value of $299,600 - close to the Walworth County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in East Troy was built around 1991. About 26% of homes were built before 1960, about 4 points below Walworth County's 30%.
The housing stock in East Troy is 56% single-family homes, 28% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
67% of owner-occupied homes in East Troy carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in East Troy are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in East Troy - 72% - are primarily heated with natural gas.
FEMA rates Walworth County's overall risk as Relatively Low, led by hail (Relatively High). 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.
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 | $299,600 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)