Home Insurance in Muskego, Wisconsin
With a median home value of $417,400, Muskego is close to the Waukesha County median.
The typical home in Muskego was built around 1988. About 18% of homes were built before 1960, about 2 points below Waukesha County's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Muskego breaks down to 83% single-family homes and 13% apartments in buildings with 5+ units.
In Muskego, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Muskego are owner-occupied.
In Muskego, 80% 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.
The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $417,400 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 85% |
| 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)