Home insurance costs & natural hazards in Wisconsin
Plain facts for Wisconsin homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Wisconsin at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Wisconsin pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Wisconsin ZIP code saw homeowners premiums of $1,199 per policy in 2022, 23% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 9% between 2018 and 2022. The figures come from 722 Wisconsin ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 7,884 single-family NFIP policies took effect in Wisconsin in 2025, at an average full cost of $1,097, compared with $974 in 2022. About 60% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Wisconsin's 72 counties FEMA rates relatively high or very high for each hazard. The most widespread are cold wave, lightning and strong wind. Open any county for its full hazard profile.
Hazards across Wisconsin's counties
Wisconsin counties
All 72 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Adams County | $1,054 | $1,342 | Relatively Low |
| Ashland County | $1,064 | $1,174 | Very Low |
| Barron County | $1,279 | $1,057 | Relatively Low |
| Bayfield County | $1,142 | $835 | Very Low |
| Brown County | $1,111 | $996 | Relatively Moderate |
| Buffalo County | $1,277 | $919 | Very Low |
| Burnett County | $1,299 | $1,223 | Relatively Low |
| Calumet County | $1,026 | $789 | Very Low |
| Chippewa County | $1,260 | $1,665 | Relatively Low |
| Clark County | $1,067 | $1,140 | Relatively Low |
| Columbia County | $1,313 | $1,453 | Relatively Moderate |
| Crawford County | $1,201 | $1,128 | Relatively Low |
| Dane County | $1,351 | $897 | Relatively Moderate |
| Dodge County | $1,146 | $1,038 | Relatively Low |
| Door County | $1,316 | $894 | Relatively Low |
| Douglas County | $1,252 | $897 | Relatively Low |
| Dunn County | $1,303 | $1,461 | Relatively Low |
| Eau Claire County | $1,245 | $1,332 | Relatively Low |
| Florence County | $1,004 | — | Relatively Low |
| Fond du Lac County | $1,119 | $745 | Relatively Low |
| Forest County | $974 | — | Relatively Low |
| Grant County | $1,229 | $1,262 | Relatively Low |
| Green County | $1,362 | $1,093 | Relatively Low |
| Green Lake County | $1,294 | $1,445 | Relatively Low |
| Iowa County | $1,347 | $1,172 | Very Low |
| Iron County | $980 | $777 | Very Low |
| Jackson County | $1,235 | $1,493 | Relatively Low |
| Jefferson County | $1,236 | $1,442 | Relatively Low |
| Juneau County | $1,246 | $1,342 | Relatively Low |
| Kenosha County | $1,226 | $922 | Relatively Moderate |
| Kewaunee County | $1,119 | $1,067 | Very Low |
| La Crosse County | $1,314 | $878 | Relatively Low |
| Lafayette County | $1,308 | $1,170 | Very Low |
| Langlade County | $1,027 | $959 | Relatively Low |
| Lincoln County | $1,085 | $1,165 | Relatively Low |
| Manitowoc County | $1,047 | $1,157 | Relatively Low |
| Marathon County | $1,147 | $1,292 | Relatively Moderate |
| Marinette County | $964 | $1,113 | Relatively Low |
| Marquette County | $1,131 | $1,074 | Relatively Low |
| Menominee County | $1,165 | — | Very Low |
| Milwaukee County | $1,197 | $1,227 | Relatively High |
| Monroe County | $1,284 | $1,258 | Relatively Low |
| Oconto County | $1,031 | $1,046 | Relatively Low |
| Oneida County | $1,137 | $1,038 | Relatively Low |
| Outagamie County | $1,068 | $715 | Relatively Low |
| Ozaukee County | $1,232 | $1,336 | Relatively Low |
| Pepin County | $1,358 | $858 | Very Low |
| Pierce County | $1,490 | $1,257 | Very Low |
| Polk County | $1,446 | $1,049 | Relatively Low |
| Portage County | $1,184 | $1,222 | Relatively Low |
| Price County | $1,048 | $1,021 | Very Low |
| Racine County | $1,155 | $1,167 | Relatively Moderate |
| Richland County | $1,215 | $1,570 | Relatively Low |
| Rock County | $1,185 | $1,809 | Relatively Moderate |
| Rusk County | $1,149 | $1,270 | Very Low |
| Sauk County | $1,420 | $1,258 | Relatively Low |
| Sawyer County | $1,109 | $1,289 | Relatively Low |
| Shawano County | $1,117 | $1,176 | Relatively Low |
| Sheboygan County | $1,068 | $991 | Relatively Low |
| St. Croix County | $1,537 | $1,106 | Relatively Low |
| Taylor County | $1,083 | — | Very Low |
| Trempealeau County | $1,322 | $1,486 | Relatively Low |
| Vernon County | $1,257 | $1,531 | Relatively Low |
| Vilas County | $1,249 | $1,053 | Relatively Low |
| Walworth County | $1,377 | $937 | Relatively Low |
| Washburn County | $1,330 | $860 | Very Low |
| Washington County | $1,228 | $933 | Relatively Low |
| Waukesha County | $1,300 | $846 | Relatively Moderate |
| Waupaca County | $1,112 | $1,100 | Relatively Low |
| Waushara County | $1,094 | $1,016 | Relatively Low |
| Winnebago County | $1,111 | $1,019 | Relatively Moderate |
| Wood County | $1,178 | $1,272 | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Wisconsin homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.