Home Insurance in Sharon, Wisconsin
Homes in Sharon carry a median value of $186,700 - 38% lower than 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 Sharon was built around 1963. About 49% of homes were built before 1960, about 19 points above Walworth County's 30%.
Housing in Sharon breaks down to 71% single-family homes, 23% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 73% of owner-occupied homes in Sharon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Sharon are owner-occupied.
In Sharon, 68% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Sharon? 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 | $186,700 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)