Homeowners insurance in Wisconsin: premium by ZIP code
Wisconsin's median ZIP code paid $1,199 per policy in 2022, ranked 42 of 51; Dane County, Madison, rose +12.3%.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Wisconsin (median ZIP code)
$1,199
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,597.
| Change from 2018 to 2022, after inflation | +8.6% |
| Premium per policy in 2018 | $1,104 |
| Premium per policy in 2022 | $1,199 |
| 2022 premium carried to September 2026 (BLS index) | $1,597 |
| Policies not renewed by the insurer, 2022 | 0.63% |
| Claims paid per 100 policies, yearly average | 3.1 |
| Average claim paid, 2018 to 2022 (adjusted) | $15,785 |
| Cancelled for nonpayment, 2022 | 1.52% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 722 ZIP codes in 72 counties of Wisconsin in the Treasury file · not a quote
Wisconsin is one of the cheaper states for homeowners insurance in the Treasury file. Its 722 ZIP codes had a median of $1,199 per policy in 2022, ranked 42 of 51 and below the national $1,551, after a rise of +7.5% after inflation. The range is narrow: the dearest ZIP code in the state, 53125 on Geneva Lake, paid $2,093, a low top figure for a large state. Dane County, Madison, rose fastest of the large counties, +12.3%, to $1,351; Milwaukee County paid $1,197 and Waukesha $1,300. Claims were few, 3.1 per 100 policies a year, and the paid loss ratio stayed between 27% and 37%. Insurers rarely declined to renew: 0.63% in 2022. Many Wisconsin homes are insured by local town mutuals, some of which may not have reported. Wisconsin's FAIR plan writes an HO-8 form. The data stop in 2022.
Milwaukee and its suburbs
Milwaukee County had 34 ZIP codes in the file and a median of $1,197 in 2022, up +4.4% after inflation. Waukesha County, to the west, paid $1,300, and its ZIP 53058 $1,919, the second highest in the state. Older city houses with basements are common in Milwaukee; sewer backup after heavy rain is excluded from standard policies unless an endorsement is added, and it is one of the most useful endorsements in the region.
Madison and the rest of the state
Dane County paid $1,351 after a rise of +12.3%, with a fast-growing housing stock. Dodge County paid $1,146. In the Northwoods, 54542 in Forest County and 54102 in Marinette County paid $797 and $810, among the cheapest ZIP codes in the country. Lake cabins left empty in winter carry the usual freezing and vacancy limits; read those clauses before closing a cabin for the season.
A Wisconsin basement water claim
Example, not your result yet· change a figure to see yours
Filing leaves you ahead by
$3,190
| Claim payment after deductible | $4,000 |
| Extra premium over the period | $810 |
| National median claim paid, 2018 to 2022 | $15,105 |
Low losses, small claims
Paid claims per 100 policies went 2.5, 3.3, 2.4, 2.3, 3.4 from 2018 to 2022, with 2022 the busiest. The average claim, $15,785, was close to the national figure. The paid loss ratio of 37% in 2022 was the highest of the period. Hail in the south of the state and winter water damage are the common claims; a small water claim is often worth weighing against a surcharge first, as the calculator above does.
Town mutuals, renewals and the FAIR plan
Wisconsin has many small town mutual insurers, some over a century old, that write farm and rural homes. The data call targeted larger insurers, so rural ZIP codes where town mutuals dominate may be thin or missing in the file. The median nonrenewal rate went 0.54%, 0.46%, 0.45%, 0.56%, 0.63% from 2018 to 2022. Wisconsin's FAIR plan writes an HO-8 homeowners form for homes that private insurers decline. The office of the Wisconsin Office of the Commissioner of Insurance handles complaints.
Wisconsin, year by year
| Year | Wisconsin median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,104 | $1,445 | 0.54% | 2.5 | 27% |
| 2019 | $1,123 | $1,469 | 0.46% | 3.3 | 35% |
| 2020 | $1,143 | $1,491 | 0.45% | 2.4 | 27% |
| 2021 | $1,184 | $1,521 | 0.56% | 2.3 | 27% |
| 2022 | $1,199 | $1,551 | 0.63% | 3.4 | 37% |
The Wisconsin counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Milwaukee County | 34 | $1,131 | $1,197 | +4.4% | 0.75% | $14,767 |
| Dane County | 33 | $1,214 | $1,351 | +12.3% | 0.53% | $13,139 |
| Waukesha County | 26 | $1,240 | $1,300 | +6.2% | 0.58% | $17,231 |
| Dodge County | 17 | $1,034 | $1,146 | +7.7% | 0.81% | $14,747 |
| Grant County | 16 | $1,069 | $1,229 | +14.2% | 0.57% | $9,443 |
| Fond du Lac County | 15 | $1,072 | $1,119 | +7.9% | 0.84% | $15,004 |
| Marathon County | 15 | $1,096 | $1,147 | +7.5% | 0.55% | $12,931 |
| Outagamie County | 14 | $1,006 | $1,068 | +4.5% | 1.08% | $14,345 |
Highest and lowest premiums per policy, Wisconsin ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 53125 | Walworth County | $2,093 | +5.8% | 0.27% |
| 53058 | Waukesha County | $1,919 | +11.2% | 0.39% |
| 54850 | Ashland County | $1,906 | -5.7% | 0.80% |
| 53122 | Waukesha County | $1,844 | -0.0% | 0.58% |
| 53147 | Walworth County | $1,824 | +3.9% | 0.64% |
| 54542 | Forest County | $797 | -6.5% | 0.39% |
| 54102 | Marinette County | $810 | +3.8% | 1.17% |
| 54462 | Langlade County | $839 | -1.2% | 0.54% |
| 54241 | Manitowoc County | $863 | +7.2% | 0.52% |
| 54304 | Brown County | $873 | +4.6% | 0.77% |