Home Insurance in Butler, Wisconsin
Homes in Butler carry a median value of $244,700 - 39% lower than the Waukesha County median.
The typical home in Butler was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 42% of homes were built before 1960, about 23 points above Waukesha County's 20%.
Housing in Butler breaks down to 43% single-family homes and 39% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 64% of owner-occupied homes in Butler have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Butler has an owner-occupancy rate of 52% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Butler, 67% of homes are primarily heated with natural gas.
Waukesha County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Waukesha County had 659 active NFIP flood policies as of September 2026. 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 | $244,700 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)