Home Insurance in West Bend, Wisconsin
Homes in West Bend carry a median value of $263,100 - 24% lower than the Washington County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in West Bend was built around 1977. About 25% of homes were built before 1960, about 5 points above Washington County's 20%.
Housing in West Bend breaks down to 62% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
64% of owner-occupied homes in West Bend carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in West Bend are owner-occupied.
Most homes in West Bend - 69% - are primarily heated with natural gas.
Washington County had 306 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $263,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)