Home Insurance in Big Bend, Wisconsin
The median home value in Big Bend is $323,500, 19% lower than the Waukesha County median.
The typical home in Big Bend was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 44% of homes were built before 1960, about 24 points above Waukesha County's 20%.
In Big Bend, the housing stock is 94% single-family homes.
70% of owner-occupied homes in Big Bend carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 91% of occupied homes in Big Bend are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Big Bend - 71% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Waukesha County had 659 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Waukesha 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 | $323,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Waukesha County | 659 |
| 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)