Home Insurance in North Prairie, Wisconsin
Homes in North Prairie carry a median value of $424,100 - 7% higher than the Waukesha County median.
The typical home in North Prairie was built around 1994. About 15% of homes were built before 1960, about 4 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 North Prairie breaks down to 90% single-family homes and 3% apartments in buildings with 5+ units.
In North Prairie, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in North Prairie are owner-occupied.
89% of homes in North Prairie 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 | $424,100 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)