Home Insurance in Whitewater, Wisconsin
With a median home value of $229,400, Whitewater is 24% lower than the Walworth County median.
The typical home in Whitewater was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 21% of homes were built before 1960, about 10 points below Walworth County's 30%.
Housing in Whitewater breaks down to 42% single-family homes, 44% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Whitewater, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 32% of occupied homes in Whitewater are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Whitewater - 67% - are primarily heated with natural gas.
What's the biggest home insurance risk near Whitewater? 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 | $229,400 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 32% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)