Home Insurance in Williams Bay, Wisconsin
With a median home value of $444,700, Williams Bay is 47% higher than the Walworth County median.
The typical home in Williams Bay was built around 1982. About 34% of homes were built before 1960, about 4 points above Walworth County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Williams Bay is 72% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Williams Bay, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 46%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Williams Bay are owner-occupied.
In Williams Bay, 86% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Williams Bay? 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 | $444,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)