Home Insurance in Fontana-on-Geneva Lake, Wisconsin
Homes in Fontana-on-Geneva Lake carry a median value of $572,600 - 89% higher than the Walworth County median.
The typical home in Fontana-on-Geneva Lake was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, about 5 points below Walworth County's 30%.
In Fontana-on-Geneva Lake, the housing stock is 75% single-family homes and 16% apartments in buildings with 5+ units.
About 56% of owner-occupied homes in Fontana-on-Geneva Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fontana-on-Geneva Lake has an owner-occupancy rate of 87% and a vacancy rate of 61%; unoccupied homes typically need a different coverage form.
In Fontana-on-Geneva Lake, 89% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Fontana-on-Geneva Lake? 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 | $572,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)