Home Insurance in Germantown, Wisconsin
Homes in Germantown carry a median value of $373,600 - 8% higher than the Washington County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Germantown was built around 1988. About 10% of homes were built before 1960, about 10 points below Washington County's 20%.
In Germantown, the housing stock is 73% single-family homes, 20% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
66% of owner-occupied homes in Germantown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Germantown are owner-occupied.
In Germantown, 70% of homes are primarily heated with natural gas.
FEMA rates Washington County's overall risk as Relatively Low, led by hail (Relatively Moderate). Washington County had 306 active NFIP flood policies as of September 2026. See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $373,600 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Washington County | 306 |
| 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)