HomeInsuranceQts

Home Insurance in Delafield, Wisconsin

With a median home value of $555,800, Delafield is 40% higher than the Waukesha County median.

The typical home in Delafield was built around 1985. About 21% of homes were built before 1960, about 1 point above Waukesha County's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

In Delafield, the housing stock is 64% single-family homes and 27% apartments in buildings with 5+ units.

About 62% of owner-occupied homes in Delafield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Delafield are owner-occupied.

65% of homes in Delafield are primarily heated with natural gas.

FEMA rates Waukesha County's overall risk as Relatively Moderate, led by hail (Relatively High). 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$555,800
Median year built1985
Owner-occupied share62%
Share of owner-occupied homes with a mortgage62%
Top county hazardHail (Relatively High)
Active NFIP policies in Waukesha County659
Home insurance premium$923 - statewide average (NAIC, 2023 data)
Key home insurance figures for Delafield, WI

Nearby towns

Sources

Data last updated: 2026-09-29