Home Insurance in Eagle, Wisconsin
With a median home value of $331,900, Eagle is 17% lower than the Waukesha County median.
The typical home in Eagle was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 24% of homes were built before 1960, about 5 points above Waukesha County's 20%.
In Eagle, the housing stock is 92% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Eagle, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Eagle has an owner-occupancy rate of 90% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 78% of homes in Eagle are primarily heated with natural gas.
What's the biggest home insurance risk near Eagle? FEMA's National Risk Index points to hail (Relatively High) in Waukesha County and 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.
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 | $331,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)