Home Insurance in Merton, Wisconsin
The median home value in Merton is $575,800, 45% higher than the Waukesha County median.
The typical home in Merton was built around 2000. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 12% of homes were built before 1960, about 7 points below Waukesha County's 20%.
In Merton, the housing stock is 100% single-family homes.
In Merton, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Merton has an owner-occupancy rate of 97% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Merton - 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.
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 | $575,800 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)