Home Insurance in Hartford, Wisconsin
Homes in Hartford carry a median value of $297,100 - 14% lower than the Washington County median.
The typical home in Hartford was built around 1993. About 24% of homes were built before 1960, about 4 points above Washington County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Hartford, the housing stock is 67% single-family homes, 24% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 79% of owner-occupied homes in Hartford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Hartford are owner-occupied.
In Hartford, 76% of homes are primarily heated with natural gas.
Washington County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $297,100 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)