Wisconsin
Home insurance overview — 722 ZIP codes, 596 cities
Avg Premium (2025 Est.)
$1,396
+14.1% from 2022
Nonrenewal Rate
0.75%
5yr Storm Damage
$516.1M
Wisconsin Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Independence | 1 | $1,636 | 60 | Elevated |
| Genoa | 1 | $1,671 | 59 | Elevated |
| Houlton | 1 | $2,066 | 59 | Elevated |
| Gratiot | 1 | $1,532 | 57 | Elevated |
| Plain | 1 | $1,690 | 57 | Elevated |
| Arcadia | 1 | $1,830 | 57 | Elevated |
| Hollandale | 1 | $1,810 | 57 | Elevated |
| Elroy | 1 | $1,531 | 56 | Elevated |
| Chaseburg | 1 | $1,877 | 56 | Elevated |
| Hammond | 1 | $1,704 | 56 | Elevated |
| Blue Mounds | 1 | $1,718 | 55 | Elevated |
| Melrose | 1 | $1,579 | 55 | Elevated |
| Rome | 1 | $1,647 | 55 | Elevated |
| Orfordville | 1 | $1,530 | 55 | Elevated |
| Delafield | 1 | $1,868 | 55 | Elevated |
| Dallas | 1 | $1,608 | 55 | Elevated |
| Merrimac | 1 | $2,012 | 54 | Elevated |
| Rock Springs | 1 | $1,641 | 54 | Elevated |
| Ferryville | 1 | $1,423 | 54 | Elevated |
| Endeavor | 1 | $1,503 | 54 | Elevated |
| Norwalk | 1 | $1,598 | 54 | Elevated |
| Grand View | 1 | $1,128 | 53 | Elevated |
| Taylor | 1 | $1,466 | 53 | Elevated |
| Juda | 1 | $1,544 | 53 | Elevated |
| Avoca | 1 | $1,864 | 53 | Elevated |
| Brownsville | 1 | $1,547 | 53 | Elevated |
| Sharon | 1 | $1,610 | 52 | Elevated |
| Cuba City | 1 | $1,750 | 52 | Elevated |
| Dickeyville | 1 | $1,366 | 52 | Elevated |
| Spring Green | 1 | $1,791 | 52 | Elevated |
| Cornell | 1 | $1,501 | 52 | Elevated |
| Hartland | 1 | $1,994 | 52 | Elevated |
| Nashotah | 1 | $2,215 | 52 | Elevated |
| Potosi | 1 | $1,549 | 52 | Elevated |
| Roberts | 1 | $1,752 | 51 | Elevated |
| Pewaukee | 1 | $1,838 | 51 | Elevated |
| New Lisbon | 1 | $1,542 | 51 | Elevated |
| Drummond | 1 | $1,809 | 51 | Elevated |
| Oakfield | 1 | $1,371 | 51 | Elevated |
| Stockholm | 1 | $1,979 | 51 | Elevated |
| Argyle | 1 | $1,547 | 51 | Elevated |
| Neosho | 1 | $1,429 | 51 | Elevated |
| Rewey | 1 | $1,388 | 51 | Elevated |
| River Hills | 1 | $2,022 | 51 | Elevated |
| Milwaukee | 20 | $1,503 | 51 | Elevated |
| Ontario | 1 | $1,507 | 51 | Elevated |
| Benton | 1 | $1,397 | 51 | Elevated |
| Cable | 1 | $1,992 | 50 | Elevated |
| Prairie Farm | 1 | $1,664 | 50 | Elevated |
| Cashton | 1 | $1,700 | 50 | Elevated |
| Highland | 1 | $1,575 | 50 | Elevated |
| Loganville | 2 | $1,549 | 50 | Elevated |
| Shell Lake | 1 | $1,609 | 50 | Elevated |
| Sandy Hook | 1 | $1,593 | 50 | Elevated |
| Wilson | 1 | $1,845 | 50 | Elevated |
| Knapp | 1 | $1,560 | 50 | Elevated |
| Kennan | 1 | $1,324 | 50 | Elevated |
| Kieler | 1 | $1,497 | 50 | Elevated |
| Tony | 1 | $1,752 | 50 | Elevated |
| Wilton | 1 | $1,472 | 49 | Elevated |
| Columbus | 1 | $1,582 | 49 | Elevated |
| Soldiers Grove | 1 | $1,400 | 49 | Elevated |
| Blanchardville | 1 | $1,764 | 49 | Elevated |
| Port Edwards | 1 | $1,429 | 49 | Elevated |
| Arkansaw | 1 | $1,587 | 49 | Elevated |
| Arena | 1 | $1,551 | 49 | Elevated |
| Elm Grove | 1 | $2,035 | 49 | Elevated |
| Lancaster | 1 | $1,559 | 49 | Elevated |
| Baldwin | 1 | $1,602 | 49 | Elevated |
| Lake Ripley | 1 | $1,642 | 49 | Elevated |
| Darlington | 1 | $1,530 | 49 | Elevated |
| Brandon | 1 | $1,409 | 48 | Elevated |
| Cross Plains | 1 | $1,713 | 48 | Elevated |
| Burnett | 1 | $1,429 | 48 | Elevated |
| Evansville | 1 | $1,496 | 48 | Elevated |
| Okauchee Lake | 1 | $1,571 | 48 | Elevated |
| Deer Park | 1 | $1,793 | 48 | Elevated |
| Blair | 1 | $1,562 | 48 | Elevated |
| Mount Hope | 1 | $1,523 | 48 | Elevated |
| Dalton | 1 | $1,444 | 48 | Elevated |
| St. Croix Falls | 2 | $1,782 | 48 | Elevated |
| Milltown | 1 | $1,650 | 48 | Elevated |
| Bangor | 1 | $1,593 | 48 | Elevated |
| Black Earth | 1 | $1,610 | 48 | Elevated |
| La Farge | 1 | $1,374 | 48 | Elevated |
| Marshall | 1 | $1,553 | 48 | Elevated |
| Princeton | 1 | $1,491 | 48 | Elevated |
| Lowell | 1 | $1,285 | 48 | Elevated |
| Mauston | 1 | $1,412 | 48 | Elevated |
| New Auburn | 1 | $1,605 | 48 | Elevated |
| Tomah | 1 | $1,505 | 47 | Elevated |
| Somerset | 1 | $1,864 | 47 | Elevated |
| Minong | 1 | $1,554 | 47 | Elevated |
| Stanley | 1 | $1,399 | 47 | Elevated |
| Barronett | 1 | $1,532 | 47 | Elevated |
| Brooklyn | 1 | $1,801 | 47 | Elevated |
| Bay City | 1 | $1,683 | 47 | Elevated |
| Glenwood City | 1 | $1,809 | 47 | Elevated |
| Darien | 1 | $1,574 | 47 | Elevated |
| Verona | 1 | $1,815 | 47 | Elevated |
| Holmen | 1 | $1,532 | 47 | Elevated |
| Camp Douglas | 1 | $1,441 | 47 | Elevated |
| Wales | 1 | $1,818 | 47 | Elevated |
| Randolph | 1 | $1,500 | 47 | Elevated |
| Galesville | 1 | $1,620 | 47 | Elevated |
| Lake Delton | 1 | $1,580 | 47 | Elevated |
| Green Lake | 1 | $1,701 | 47 | Elevated |
| Lomira | 1 | $1,306 | 46 | Elevated |
| Weyauwega | 1 | $1,346 | 46 | Elevated |
| Bloomer | 1 | $1,576 | 46 | Elevated |
| Fairwater | 1 | $1,215 | 46 | Elevated |
| Albany | 1 | $1,605 | 46 | Elevated |
| Cambria | 1 | $1,545 | 46 | Elevated |
| Necedah | 1 | $1,377 | 46 | Elevated |
| North Freedom | 1 | $1,618 | 46 | Elevated |
| Middleton | 1 | $1,853 | 46 | Elevated |
| Ephraim | 1 | $1,549 | 46 | Elevated |
| Summit | 1 | $1,684 | 46 | Elevated |
| Ogema | 1 | $1,251 | 46 | Elevated |
| Browntown | 1 | $1,481 | 46 | Elevated |
| Fontana-on-Geneva Lake | 1 | $2,365 | 46 | Elevated |
| Jim Falls | 1 | $1,403 | 46 | Elevated |
| Portage | 1 | $1,464 | 46 | Elevated |
| Durand | 1 | $1,625 | 45 | Elevated |
| Egg Harbor | 1 | $1,828 | 45 | Elevated |
| Brookfield | 2 | $1,660 | 45 | Elevated |
| Eastman | 1 | $1,435 | 45 | Elevated |
| Ellsworth | 2 | $1,815 | 45 | Elevated |
| Dane | 1 | $1,587 | 45 | Elevated |
| Pardeeville | 1 | $1,512 | 45 | Elevated |
| Westby | 1 | $1,587 | 45 | Elevated |
| Mount Horeb | 1 | $1,596 | 45 | Elevated |
| Clyman | 1 | $1,187 | 45 | Elevated |
| Bell Center | 1 | $1,430 | 45 | Elevated |
| Lyndon Station | 1 | $1,229 | 45 | Elevated |
| Lake Geneva | 1 | $2,046 | 45 | Elevated |
| Hudson | 1 | $1,987 | 45 | Elevated |
| Salem Lakes | 4 | $1,431 | 45 | Elevated |
| Woodville | 1 | $1,625 | 45 | Elevated |
| Ridgeland | 1 | $1,659 | 45 | Elevated |
| New Richmond | 1 | $1,722 | 44 | Elevated |
| La Valle | 1 | $1,634 | 44 | Elevated |
| Mazomanie | 1 | $1,557 | 44 | Elevated |
| Kekoskee | 2 | $1,261 | 44 | Elevated |
| Hager City | 1 | $1,760 | 44 | Elevated |
| Onalaska | 1 | $1,546 | 44 | Elevated |
| Waunakee | 1 | $1,836 | 44 | Elevated |
| Baraboo | 1 | $1,435 | 44 | Elevated |
| Nelson | 1 | $1,524 | 44 | Elevated |
| Wiota | 1 | $1,490 | 44 | Elevated |
| Turtle Lake | 2 | $1,641 | 44 | Elevated |
| Neshkoro | 1 | $1,351 | 44 | Elevated |
| Eagle | 1 | $1,557 | 44 | Elevated |
| Montello | 1 | $1,282 | 44 | Elevated |
| Pittsville | 1 | $1,197 | 44 | Elevated |
| Wyocena | 1 | $1,355 | 44 | Elevated |
| Wonewoc | 1 | $1,448 | 44 | Elevated |
| Mondovi | 1 | $1,486 | 44 | Elevated |
| Hillsboro | 1 | $1,363 | 44 | Elevated |
| West Salem | 1 | $1,608 | 44 | Elevated |
| La Crosse | 2 | $1,355 | 44 | Elevated |
| Clinton | 1 | $1,503 | 44 | Elevated |
| Cazenovia | 1 | $1,442 | 44 | Elevated |
| Poplar | 2 | $1,534 | 44 | Elevated |
| Dousman | 1 | $1,632 | 44 | Elevated |
| Readstown | 1 | $1,350 | 44 | Elevated |
| Windsor | 3 | $1,464 | 44 | Elevated |
| Maiden Rock | 1 | $1,848 | 44 | Elevated |
| Poy Sippi | 1 | $1,182 | 44 | Elevated |
| Conrath | 1 | $1,218 | 44 | Elevated |
| Brodhead | 1 | $1,372 | 44 | Elevated |
| Trempealeau | 1 | $1,525 | 43 | Elevated |
| Cottage Grove | 1 | $1,635 | 43 | Elevated |
| Elmwood | 1 | $1,640 | 43 | Elevated |
| Rosendale | 2 | $1,421 | 43 | Elevated |
| New Holstein | 1 | $1,208 | 43 | Elevated |
| Deerfield | 1 | $1,687 | 43 | Elevated |
| Mequon | 2 | $2,023 | 43 | Elevated |
| Bloomington | 1 | $1,369 | 43 | Elevated |
| Frederic | 1 | $1,557 | 43 | Elevated |
| Montfort | 1 | $1,450 | 43 | Elevated |
| Bowler | 1 | $1,174 | 43 | Elevated |
| Doylestown | 1 | $1,573 | 43 | Elevated |
| Blue River | 1 | $1,410 | 43 | Elevated |
| Boscobel | 1 | $1,441 | 43 | Elevated |
| Sheldon | 1 | $1,398 | 43 | Elevated |
| Fitchburg | 2 | $1,587 | 43 | Elevated |
| Chili | 1 | $1,365 | 43 | Elevated |
| North Prairie | 2 | $1,301 | 43 | Elevated |
| Fountain City | 1 | $1,588 | 43 | Elevated |
| Pine River | 1 | $1,357 | 42 | Elevated |
| Kohler | 1 | $1,569 | 42 | Elevated |
| Coloma | 1 | $1,217 | 42 | Elevated |
| Prairie du Chien | 1 | $1,251 | 42 | Elevated |
| Vesper | 1 | $1,363 | 42 | Elevated |
| Madison | 11 | $1,490 | 42 | Elevated |
| Ettrick | 1 | $1,638 | 42 | Elevated |
| Sullivan | 1 | $1,466 | 42 | Elevated |
| Kingston | 1 | $1,374 | 42 | Elevated |
| Van Dyne | 1 | $1,245 | 42 | Elevated |
| Stoughton | 1 | $1,529 | 42 | Elevated |
| Fairchild | 1 | $1,458 | 42 | Elevated |
| Sun Prairie | 1 | $1,561 | 42 | Elevated |
| Walworth | 1 | $1,700 | 42 | Elevated |
| Viroqua | 1 | $1,454 | 42 | Elevated |
| Radisson | 2 | $1,218 | 42 | Elevated |
| Reedsburg | 1 | $1,548 | 42 | Elevated |
| Fall River | 1 | $1,559 | 42 | Elevated |
| Osseo | 1 | $1,574 | 42 | Elevated |
| Strum | 1 | $1,525 | 42 | Elevated |
| McFarland | 1 | $1,519 | 42 | Elevated |
| Whitehall | 1 | $1,479 | 42 | Elevated |
| Ixonia | 1 | $1,451 | 41 | Elevated |
| Bayfield | 2 | $1,768 | 41 | Elevated |
| Wisconsin Rapids | 2 | $1,317 | 41 | Elevated |
| Barron | 1 | $1,430 | 41 | Elevated |
| Owen | 1 | $1,231 | 41 | Elevated |
| Amberg | 1 | $908 | 41 | Elevated |
| Livingston | 1 | $1,335 | 41 | Elevated |
| Mindoro | 1 | $1,533 | 41 | Elevated |
| Plainfield | 1 | $1,234 | 41 | Elevated |
| Williams Bay | 1 | $1,705 | 41 | Elevated |
| Muskego | 1 | $1,418 | 41 | Elevated |
| Stoddard | 1 | $1,470 | 41 | Elevated |
| Wisconsin Dells | 1 | $1,514 | 41 | Elevated |
| Grand Marsh | 1 | $1,136 | 41 | Elevated |
| Lake Mills | 1 | $1,456 | 41 | Elevated |
| Beloit | 1 | $1,305 | 41 | Elevated |
| Kendall | 1 | $1,489 | 41 | Elevated |
| Sparta | 1 | $1,458 | 41 | Elevated |
| Belleville | 1 | $1,510 | 41 | Elevated |
| Iron Ridge | 1 | $1,270 | 41 | Elevated |
| Johnson Creek | 1 | $1,468 | 41 | Elevated |
| Spring Valley | 1 | $1,629 | 41 | Elevated |
| St. Peter | 1 | $1,215 | 41 | Elevated |
| St. Cloud | 1 | $1,142 | 41 | Elevated |
| Milladore | 1 | $1,383 | 41 | Elevated |
| Chief Lake | 1 | $1,644 | 41 | Elevated |
| Suring | 1 | $1,128 | 40 | Moderate |
| Milton | 1 | $1,440 | 40 | Moderate |
| Downing | 1 | $1,448 | 40 | Moderate |
| Chilton | 1 | $1,287 | 40 | Moderate |
| Merrillan | 1 | $1,282 | 40 | Moderate |
| Amherst | 1 | $1,403 | 40 | Moderate |
| Weyerhaeuser | 1 | $1,374 | 40 | Moderate |
| Waterloo | 1 | $1,404 | 40 | Moderate |
| Barneveld | 1 | $1,727 | 40 | Moderate |
| Ingram | 1 | $1,270 | 40 | Moderate |
| Stetsonville | 1 | $1,217 | 40 | Moderate |
| Star Prairie | 1 | $1,536 | 40 | Moderate |
| Greendale | 1 | $1,290 | 40 | Moderate |
| Sussex | 1 | $1,439 | 40 | Moderate |
| Waupun | 1 | $1,295 | 40 | Moderate |
| Whitewater | 1 | $1,544 | 40 | Moderate |
| Somers | 1 | $1,300 | 40 | Moderate |
| Janesville | 3 | $1,324 | 40 | Moderate |
| Richfield | 3 | $1,588 | 40 | Moderate |
| Muscoda | 1 | $1,316 | 40 | Moderate |
| Boyd | 1 | $1,385 | 40 | Moderate |
| Beaver Dam | 1 | $1,334 | 40 | Moderate |
| Brule | 1 | $1,459 | 40 | Moderate |
| Stockbridge | 1 | $1,063 | 39 | Moderate |
| Sister Bay | 1 | $1,627 | 39 | Moderate |
| Goodman | 2 | $1,047 | 39 | Moderate |
| Sauk City | 1 | $1,572 | 39 | Moderate |
| Reserve | 2 | $1,465 | 39 | Moderate |
| Cassville | 1 | $1,409 | 39 | Moderate |
| Dunbar | 1 | $1,021 | 39 | Moderate |
| Lake Arrowhead | 1 | $1,306 | 39 | Moderate |
| Packwaukee | 1 | $1,053 | 39 | Moderate |
| Linden | 1 | $1,391 | 39 | Moderate |
| Granton | 1 | $1,304 | 39 | Moderate |
| Spooner | 1 | $1,490 | 39 | Moderate |
| Loyal | 1 | $1,189 | 39 | Moderate |
| Iola | 1 | $1,249 | 39 | Moderate |
| Dale | 1 | $1,049 | 39 | Moderate |
| New Glarus | 1 | $1,730 | 39 | Moderate |
| Black Creek | 1 | $1,205 | 39 | Moderate |
| Rochester | 2 | $1,315 | 39 | Moderate |
| Lake Wisconsin | 3 | $1,659 | 39 | Moderate |
| Briggsville | 1 | $1,176 | 39 | Moderate |
| Minocqua | 2 | $1,487 | 39 | Moderate |
| Plum City | 1 | $1,627 | 39 | Moderate |
| Dellwood | 1 | $1,129 | 39 | Moderate |
| Coon Valley | 1 | $1,615 | 39 | Moderate |
| Ellison Bay | 2 | $1,347 | 39 | Moderate |
| Cornucopia | 1 | $1,224 | 39 | Moderate |
| Adams | 1 | $1,234 | 39 | Moderate |
| De Soto | 1 | $1,400 | 39 | Moderate |
| Cobb | 1 | $1,188 | 39 | Moderate |
| Footville | 1 | $1,240 | 39 | Moderate |
| Butler | 1 | $1,132 | 38 | Moderate |
| Whitelaw | 1 | $1,151 | 38 | Moderate |
| Waukesha | 3 | $1,326 | 38 | Moderate |
| Lone Rock | 1 | $1,398 | 38 | Moderate |
| Dresser | 1 | $1,691 | 38 | Moderate |
| Centuria | 1 | $1,515 | 38 | Moderate |
| Oxford | 1 | $1,269 | 38 | Moderate |
| Edgerton | 1 | $1,382 | 38 | Moderate |
| Saxon | 1 | $1,184 | 38 | Moderate |
| Webster | 1 | $1,485 | 38 | Moderate |
| Franklin | 1 | $1,400 | 38 | Moderate |
| Arkdale | 1 | $1,158 | 38 | Moderate |
| Ripon | 1 | $1,368 | 38 | Moderate |
| West Bend | 2 | $1,349 | 38 | Moderate |
| Pleasant Prairie | 1 | $1,438 | 38 | Moderate |
| Osceola | 1 | $1,724 | 38 | Moderate |
| Viola | 1 | $1,377 | 38 | Moderate |
| Batavia | 1 | $1,311 | 38 | Moderate |
| Westfield | 1 | $1,363 | 38 | Moderate |
| Aniwa | 1 | $1,223 | 38 | Moderate |
| Mountain | 1 | $1,076 | 38 | Moderate |
| Menomonee Falls | 1 | $1,390 | 38 | Moderate |
| Balsam Lake | 1 | $1,848 | 38 | Moderate |
| Prentice | 2 | $1,116 | 38 | Moderate |
| Mukwonago | 1 | $1,534 | 38 | Moderate |
| Clayton | 1 | $1,581 | 38 | Moderate |
| Bancroft | 1 | $1,248 | 38 | Moderate |
| Monticello | 1 | $1,602 | 38 | Moderate |
| Hancock | 1 | $1,248 | 38 | Moderate |
| Fox Lake | 1 | $1,378 | 38 | Moderate |
| Mount Calvary | 1 | $1,234 | 38 | Moderate |
| Arpin | 1 | $1,401 | 38 | Moderate |
| River Falls | 1 | $1,756 | 38 | Moderate |
| Mineral Point | 1 | $1,625 | 37 | Moderate |
| New Berlin | 2 | $1,372 | 37 | Moderate |
| Cecil | 1 | $1,260 | 37 | Moderate |
| Wauwatosa | 2 | $1,325 | 37 | Moderate |
| Trego | 1 | $1,316 | 37 | Moderate |
| Hortonville | 1 | $1,340 | 37 | Moderate |
| Springbrook | 1 | $1,399 | 37 | Moderate |
| Menomonie | 1 | $1,491 | 37 | Moderate |
| Rockland | 1 | $1,279 | 37 | Moderate |
| Cadott | 1 | $1,462 | 37 | Moderate |
| Westboro | 1 | $1,114 | 37 | Moderate |
| Dorchester | 1 | $1,115 | 37 | Moderate |
| Waukau | 1 | $1,551 | 37 | Moderate |
| Platteville | 1 | $1,513 | 37 | Moderate |
| Haugen | 2 | $1,342 | 37 | Moderate |
| Scandinavia | 1 | $1,306 | 37 | Moderate |
| Raymond | 1 | $1,531 | 37 | Moderate |
| Fond du Lac | 2 | $1,251 | 37 | Moderate |
| Lac du Flambeau | 2 | $1,632 | 37 | Moderate |
| Prescott | 1 | $1,882 | 37 | Moderate |
| Polonia | 1 | $1,394 | 37 | Moderate |
| Bristol | 2 | $1,357 | 37 | Moderate |
| Baileys Harbor | 2 | $1,612 | 37 | Moderate |
| Auburndale | 1 | $1,412 | 37 | Moderate |
| Peshtigo | 2 | $1,213 | 37 | Moderate |
| Warrens | 1 | $1,315 | 36 | Moderate |
| Reeseville | 1 | $1,332 | 36 | Moderate |
| Hartford | 2 | $1,412 | 36 | Moderate |
| Delavan | 1 | $1,523 | 36 | Moderate |
| West Allis | 2 | $1,136 | 36 | Moderate |
| Fennimore | 1 | $1,365 | 36 | Moderate |
| Buffalo City | 1 | $1,351 | 36 | Moderate |
| Pepin | 1 | $1,435 | 36 | Moderate |
| Mason | 1 | $1,179 | 36 | Moderate |
| Hales Corners | 1 | $1,290 | 36 | Moderate |
| Ogdensburg | 1 | $1,156 | 36 | Moderate |
| Luck | 1 | $1,625 | 36 | Moderate |
| Ridgeway | 1 | $1,424 | 36 | Moderate |
| Lakewood | 2 | $1,037 | 36 | Moderate |
| Eden | 1 | $1,199 | 36 | Moderate |
| Greenleaf | 1 | $1,291 | 36 | Moderate |
| Siren | 1 | $1,534 | 36 | Moderate |
| Eagle Lake | 1 | $1,424 | 36 | Moderate |
| Washburn | 1 | $1,330 | 36 | Moderate |
| Humbird | 2 | $1,191 | 36 | Moderate |
| Unity | 1 | $1,197 | 36 | Moderate |
| Maribel | 1 | $1,323 | 36 | Moderate |
| Kiel | 1 | $1,223 | 36 | Moderate |
| Spencer | 1 | $1,273 | 36 | Moderate |
| Grantsburg | 1 | $1,467 | 36 | Moderate |
| Big Bend | 1 | $1,349 | 36 | Moderate |
| Shullsburg | 1 | $1,419 | 36 | Moderate |
| Jefferson | 1 | $1,370 | 36 | Moderate |
| Port Wing | 1 | $1,237 | 36 | Moderate |
| Caroline | 1 | $1,241 | 36 | Moderate |
| Lake Koshkonong | 1 | $1,358 | 35 | Moderate |
| Arlington | 1 | $1,472 | 35 | Moderate |
| Herbster | 1 | $1,292 | 35 | Moderate |
| Hustisford | 1 | $1,129 | 35 | Moderate |
| Bloomfield | 2 | $1,380 | 35 | Moderate |
| Belmont | 1 | $1,358 | 35 | Moderate |
| Bagley | 1 | $1,249 | 35 | Moderate |
| Post Lake | 2 | $1,062 | 35 | Moderate |
| Wauzeka | 1 | $1,265 | 35 | Moderate |
| Catawba | 1 | $1,147 | 35 | Moderate |
| Glidden | 1 | $1,216 | 35 | Moderate |
| Eland | 1 | $1,474 | 35 | Moderate |
| Markesan | 1 | $1,615 | 35 | Moderate |
| South Milwaukee | 1 | $1,159 | 35 | Moderate |
| Cudahy | 1 | $1,117 | 35 | Moderate |
| Abbotsford | 1 | $1,194 | 35 | Moderate |
| Pembine | 1 | $1,067 | 35 | Moderate |
| Clam Lake | 1 | $1,424 | 35 | Moderate |
| Elkhorn | 1 | $1,603 | 35 | Moderate |
| Rib Lake | 1 | $1,058 | 35 | Moderate |
| Alma Center | 1 | $1,284 | 35 | Moderate |
| Cumberland | 1 | $1,513 | 35 | Moderate |
| Belgium | 1 | $1,356 | 35 | Moderate |
| Tigerton | 1 | $1,214 | 35 | Moderate |
| Little Chute | 1 | $1,003 | 35 | Moderate |
| Wild Rose | 1 | $1,215 | 35 | Moderate |
| Dodgeville | 1 | $1,559 | 35 | Moderate |
| East Troy | 1 | $1,452 | 34 | Moderate |
| Amherst Junction | 1 | $1,409 | 34 | Moderate |
| Lake Nebagamon | 1 | $1,510 | 34 | Moderate |
| Superior | 3 | $1,389 | 34 | Moderate |
| Fremont | 1 | $1,308 | 34 | Moderate |
| Withee | 1 | $1,183 | 34 | Moderate |
| Rice Lake | 1 | $1,407 | 34 | Moderate |
| Greenfield | 2 | $1,188 | 34 | Moderate |
| Wautoma | 1 | $1,375 | 34 | Moderate |
| Summit Lake | 4 | $1,192 | 34 | Moderate |
| Combined Locks | 1 | $1,214 | 34 | Moderate |
| Thorp | 1 | $1,366 | 34 | Moderate |
| Holcombe | 1 | $1,422 | 34 | Moderate |
| Eleva | 1 | $1,660 | 34 | Moderate |
| Monroe | 1 | $1,437 | 34 | Moderate |
| Juneau | 1 | $1,322 | 34 | Moderate |
| Jackson | 1 | $1,303 | 34 | Moderate |
| Boyceville | 1 | $1,501 | 34 | Moderate |
| Lannon | 1 | $1,153 | 34 | Moderate |
| Birchwood | 1 | $1,478 | 34 | Moderate |
| Alma | 1 | $1,376 | 34 | Moderate |
| Kenosha | 2 | $1,168 | 34 | Moderate |
| Allenton | 1 | $1,316 | 33 | Moderate |
| Elkhart Lake | 1 | $1,362 | 33 | Moderate |
| Theresa | 1 | $1,266 | 33 | Moderate |
| Francis Creek | 1 | $1,075 | 33 | Moderate |
| Rhinelander | 1 | $1,261 | 33 | Moderate |
| Seymour | 1 | $1,249 | 33 | Moderate |
| Black River Falls | 1 | $1,411 | 33 | Moderate |
| Watertown | 2 | $1,301 | 33 | Moderate |
| Oak Creek | 1 | $1,237 | 33 | Moderate |
| Wrightstown | 1 | $1,267 | 33 | Moderate |
| Palmyra | 1 | $1,346 | 33 | Moderate |
| Danbury | 1 | $1,427 | 33 | Moderate |
| Coleman | 1 | $1,217 | 33 | Moderate |
| Hobart | 2 | $1,411 | 33 | Moderate |
| Bruce | 1 | $1,310 | 33 | Moderate |
| Amery | 1 | $1,647 | 33 | Moderate |
| Reedsville | 1 | $1,267 | 33 | Moderate |
| Wheeler | 1 | $1,423 | 33 | Moderate |
| Slinger | 1 | $1,382 | 33 | Moderate |
| Twin Lakes | 1 | $1,501 | 33 | Moderate |
| Hixton | 1 | $1,428 | 33 | Moderate |
| Clear Lake | 1 | $1,720 | 32 | Moderate |
| Marinette | 1 | $1,158 | 32 | Moderate |
| Kronenwetter | 1 | $1,358 | 32 | Moderate |
| Kimberly | 1 | $1,026 | 32 | Moderate |
| St. Francis | 1 | $1,086 | 32 | Moderate |
| Exeland | 1 | $1,252 | 32 | Moderate |
| Winter | 1 | $1,199 | 32 | Moderate |
| New London | 1 | $1,271 | 32 | Moderate |
| Winchester | 1 | $1,313 | 32 | Moderate |
| Wausaukee | 1 | $1,107 | 32 | Moderate |
| Wabeno | 1 | $1,148 | 32 | Moderate |
| Campbellsport | 1 | $1,286 | 32 | Moderate |
| Saukville | 1 | $1,281 | 32 | Moderate |
| Lake Tomahawk | 2 | $1,256 | 32 | Moderate |
| Appleton | 5 | $1,209 | 32 | Moderate |
| Suamico | 3 | $1,349 | 32 | Moderate |
| Rudolph | 1 | $1,450 | 32 | Moderate |
| Hewitt | 1 | $1,214 | 32 | Moderate |
| Berlin | 1 | $1,334 | 32 | Moderate |
| Elk Mound | 1 | $1,456 | 31 | Moderate |
| Park Falls | 1 | $1,190 | 31 | Moderate |
| Tainter Lake | 1 | $1,489 | 31 | Moderate |
| Eagle River | 2 | $1,369 | 31 | Moderate |
| Mishicot | 1 | $1,134 | 31 | Moderate |
| Almond | 1 | $1,330 | 31 | Moderate |
| Grafton | 1 | $1,435 | 31 | Moderate |
| Stratford | 1 | $1,356 | 31 | Moderate |
| Port Washington | 1 | $1,250 | 31 | Moderate |
| Shiocton | 1 | $1,261 | 31 | Moderate |
| Forestville | 2 | $1,248 | 31 | Moderate |
| Greenbush | 1 | $1,191 | 31 | Moderate |
| Legend Lake | 2 | $1,233 | 31 | Moderate |
| Weston | 2 | $1,348 | 31 | Moderate |
| Yorkville | 1 | $1,392 | 31 | Moderate |
| Chetek | 1 | $1,415 | 31 | Moderate |
| Abrams | 1 | $1,312 | 31 | Moderate |
| Racine | 2 | $1,182 | 31 | Moderate |
| Marathon City | 1 | $1,453 | 31 | Moderate |
| Bear Creek | 1 | $1,224 | 31 | Moderate |
| Almena | 1 | $1,545 | 31 | Moderate |
| Cleveland | 2 | $1,274 | 31 | Moderate |
| Crandon | 2 | $1,112 | 31 | Moderate |
| Germantown | 1 | $1,393 | 31 | Moderate |
| Rosholt | 1 | $1,295 | 31 | Moderate |
| Neillsville | 1 | $1,327 | 31 | Moderate |
| Three Lakes | 2 | $1,350 | 30 | Moderate |
| Lake Hallie | 1 | $1,338 | 30 | Moderate |
| Edgar | 1 | $1,336 | 30 | Moderate |
| Hawkins | 1 | $1,074 | 30 | Moderate |
| Junction City | 1 | $1,483 | 30 | Moderate |
| Ladysmith | 1 | $1,330 | 30 | Moderate |
| Colby | 1 | $1,252 | 30 | Moderate |
| Kaukauna | 1 | $1,123 | 30 | Moderate |
| Hingham | 1 | $1,192 | 30 | Moderate |
| Niagara | 1 | $1,173 | 30 | Moderate |
| Gordon | 1 | $1,320 | 30 | Moderate |
| Fall Creek | 1 | $1,593 | 30 | Moderate |
| Antigo | 1 | $1,078 | 30 | Moderate |
| Tomahawk | 3 | $1,227 | 30 | Moderate |
| Kewaskum | 1 | $1,310 | 30 | Moderate |
| Greenwood | 1 | $1,123 | 30 | Moderate |
| Waupaca | 1 | $1,370 | 30 | Moderate |
| Valders | 1 | $1,239 | 30 | Moderate |
| Iron River | 1 | $1,266 | 30 | Moderate |
| Mount Pleasant | 3 | $1,303 | 30 | Moderate |
| Sobieski | 1 | $1,357 | 30 | Moderate |
| Oconto Falls | 1 | $1,224 | 30 | Moderate |
| Clintonville | 1 | $1,163 | 30 | Moderate |
| Mercer | 1 | $1,263 | 30 | Moderate |
| Gilman | 1 | $1,205 | 30 | Moderate |
| Phillips | 2 | $1,167 | 29 | Moderate |
| Harrison | 2 | $1,184 | 29 | Moderate |
| Luxemburg | 1 | $1,331 | 29 | Moderate |
| Boulder Junction | 2 | $1,473 | 29 | Moderate |
| Townsend | 1 | $1,037 | 29 | Moderate |
| White Lake | 2 | $1,090 | 29 | Moderate |
| Maine | 2 | $1,247 | 29 | Moderate |
| Pound | 1 | $1,159 | 29 | Moderate |
| Jolmaville | 2 | $1,166 | 29 | Moderate |
| Cedar Grove | 1 | $1,252 | 29 | Moderate |
| Hatley | 1 | $1,285 | 29 | Moderate |
| Butternut | 1 | $1,198 | 29 | Moderate |
| Fredonia | 1 | $1,317 | 29 | Moderate |
| Gresham | 1 | $1,156 | 29 | Moderate |
| St. Nazianz | 1 | $977 | 28 | Moderate |
| Cedarburg | 1 | $1,450 | 28 | Moderate |
| Cameron | 1 | $1,346 | 28 | Moderate |
| Sherwood | 1 | $1,320 | 28 | Moderate |
| Sheboygan Falls | 1 | $1,151 | 28 | Moderate |
| Marshfield | 1 | $1,245 | 28 | Moderate |
| Ashwaubenon | 1 | $982 | 28 | Moderate |
| Oostburg | 1 | $1,180 | 28 | Moderate |
| Augusta | 1 | $1,379 | 28 | Moderate |
| Winneconne | 1 | $1,325 | 28 | Moderate |
| Redgranite | 1 | $1,133 | 28 | Moderate |
| Stevens Point | 2 | $1,270 | 28 | Moderate |
| Cascade | 1 | $1,224 | 28 | Moderate |
| Casco | 1 | $1,319 | 28 | Moderate |
| Wausau | 1 | $1,302 | 28 | Moderate |
| Oshkosh | 3 | $1,156 | 28 | Moderate |
| Montreal | 2 | $1,054 | 27 | Moderate |
| Kewaunee | 1 | $1,290 | 27 | Moderate |
| Medford | 1 | $1,243 | 27 | Moderate |
| Richland Center | 1 | $1,250 | 27 | Moderate |
| Neenah | 1 | $1,239 | 27 | Moderate |
| Eau Claire | 2 | $1,352 | 27 | Moderate |
| Lena | 1 | $1,171 | 27 | Moderate |
| Wittenberg | 1 | $1,300 | 27 | Moderate |
| Crivitz | 1 | $1,033 | 27 | Moderate |
| Omro | 1 | $1,280 | 26 | Moderate |
| Krakow | 1 | $1,253 | 26 | Moderate |
| Tichigan | 1 | $1,354 | 26 | Moderate |
| Caledonia | 2 | $1,340 | 26 | Moderate |
| Denmark | 1 | $1,271 | 26 | Moderate |
| Sayner | 4 | $1,363 | 26 | Moderate |
| Allouez | 1 | $1,144 | 26 | Moderate |
| Mellen | 1 | $1,130 | 26 | Moderate |
| Plymouth | 1 | $1,166 | 26 | Moderate |
| Iron Belt | 1 | $972 | 25 | Moderate |
| Newald | 1 | $1,013 | 25 | Moderate |
| Random Lake | 1 | $1,177 | 25 | Moderate |
| Oconto | 1 | $1,160 | 25 | Moderate |
| Solon Springs | 1 | $1,398 | 25 | Moderate |
| Green Bay | 4 | $1,139 | 25 | Moderate |
| Shawano | 1 | $1,053 | 25 | Moderate |
| Athens | 1 | $1,296 | 24 | Moderate |
| Pulaski | 1 | $1,283 | 24 | Moderate |
| Manitowoc | 1 | $1,080 | 24 | Moderate |
| Brillion | 1 | $1,143 | 24 | Moderate |
| Two Rivers | 1 | $981 | 24 | Moderate |
| Manawa | 1 | $1,189 | 24 | Moderate |
| Sheboygan | 2 | $1,073 | 24 | Moderate |
| Altoona | 1 | $1,302 | 23 | Moderate |
| Plover | 1 | $1,222 | 23 | Moderate |
| Hurley | 1 | $1,118 | 23 | Moderate |
| Marion | 1 | $1,115 | 23 | Moderate |
| Rothschild | 1 | $1,131 | 23 | Moderate |
| Algoma | 1 | $1,083 | 22 | Moderate |
| Bonduel | 1 | $1,285 | 22 | Moderate |
| Woodruff | 1 | $1,213 | 22 | Moderate |
| Butte des Morts | 1 | $1,124 | 22 | Moderate |
| Sturgeon Bay | 1 | $1,168 | 21 | Moderate |
| Ashland | 1 | $1,148 | 20 | Low |
| Birnamwood | 1 | $1,294 | 20 | Low |
| Long Lake | 2 | $944 | 20 | Low |
| Laona | 1 | $1,114 | 19 | Low |
| Florence | 1 | $1,191 | 17 | Low |
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Highest Risk ZIPs
Data Sources & Methodology
Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.
2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.