Home Insurance in Pewaukee, Wisconsin
With a median home value of $281,800, Pewaukee is 29% lower than the Waukesha County median.
The typical home in Pewaukee was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 2 points below Waukesha County's 20%.
In Pewaukee, the housing stock is 48% single-family homes, 43% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
64% of owner-occupied homes in Pewaukee carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Pewaukee are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in Pewaukee 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 | $281,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)