Home Insurance in Lac La Belle, Wisconsin
With a median home value of $1,312,500, Lac La Belle is 230% higher than the Waukesha County median.
The typical home in Lac La Belle was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 37% of homes were built before 1960, about 17 points above Waukesha County's 20%.
Housing in Lac La Belle breaks down to 100% single-family homes.
66% of owner-occupied homes in Lac La Belle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 91% of occupied homes in Lac La Belle are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lac La Belle - 90% - are primarily heated with natural gas.
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.
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 | $1,312,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)