Home Insurance in Genoa City, Wisconsin
The median home value in Genoa City is $241,300, 20% lower than the Walworth County median.
The typical home in Genoa City was built around 1993. About 27% of homes were built before 1960, about 4 points below Walworth County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Genoa City breaks down to 93% single-family homes and 1% apartments in buildings with 5+ units.
77% of owner-occupied homes in Genoa City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Genoa City has an owner-occupancy rate of 92% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Genoa City - 88% - 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.
Walworth County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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.
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 | $241,300 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Walworth County | 128 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Nearby towns
- Bloomfield
- Twin Lakes
- Lake Geneva
- Salem Lakes
- Paddock Lake
- Burlington
- Williams Bay
- Fontana-on-Geneva Lake
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)