Home Insurance in Vernon, Wisconsin
Homes in Vernon carry a median value of $434,700 - 9% higher than the Waukesha County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Vernon was built around 1978. About 8% of homes were built before 1960, about 12 points below Waukesha County's 20%.
The housing stock in Vernon is 98% single-family homes and 1% apartments in buildings with 5+ units.
In Vernon, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Vernon has an owner-occupancy rate of 96% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
85% of homes in Vernon 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.
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 | $434,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)