Wisconsin Homeowners Insurance

U.S. Treasury FIO data for 718 ZIP codes in Wisconsin (WI).

The verdict

According to U.S. Treasury FIO filings, Wisconsin ranks #47 of 51 by average premium ($1,224/yr) ≠ #42 of 50 by nonrenewal (0.75%). Cost rank is not withdrawal rank.

$1,224
State avg premium (#47 of 51)
#42
Nonrenewal of 50 (0.75%)
53125
In-state premium ZIP #1 ($2,093)
53206
In-state nonrenewal ZIP #1 (2.43%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Wisconsin vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,224 Among the lowest premiums lower premium than 90% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Wisconsin pay an average of $1,224 per year for home insurance - 31% below the national average of $1,776. That ranks Wisconsin as the 47th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 8.0%.

On five-year premium growth (2018–2022), Wisconsin ranks 19th out of 51 states. Its nonrenewal rate (0.75%) ranks 42nd out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Wisconsin Compares

vs National Average
$1,224 vs $1,776
31% below national avg
Rank Among States
47th of 51
most expensive for homeowners insurance
Loss Ratio vs National
72.0% vs 58.0%
insurers pay out more per premium dollar here
Avg Premium
$1,224/yr
National avg: $1,776 (-31% below)
Premium Change
+8.0%
2018-2022 change
Avg Loss Ratio
72.0%
Claims paid vs premiums earned
Nonrenewal Rate
0.75%
+8.7% change

Data Snapshot: Wisconsin Homeowners Insurance

Across the 718 Wisconsin ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,224. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. That is 31% below the national average of $1,776 per year reported by the Federal Insurance Office. Wisconsin ranks 47th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $797 in 54542 to $2,093 in 53125.

Between 2018 and 2022, average premiums rose by 8.0% in Wisconsin, placing the state 19th nationally on five-year premium growth. The state-level loss ratio averaged 72.0%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 0.75% across the ZIP codes that report one (92% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so this figure is likely conservative), a climb of 8.7% over the study period (ranking 42nd out of 50 states).

Within Wisconsin, premium dispersion across ZIP codes is substantial: the most expensive ZIP (53125 in Fontana) charges 163% more than the least expensive (54542 in Long Lake), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Wisconsin

0%150%72%

Wisconsin statewide - FIO 2018-2022 average: 72% (Healthy) - standard operating range, sustainable for long-run pricing.

ZIP Codes Tracked

718

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Year Avg Premium Median Premium
2018 $1,134 $1,105
2019 $1,149 (+1.4%) $1,123
2020 $1,170 (+1.8%) $1,143
2021 $1,210 (+3.4%) $1,185
2022 $1,224 (+1.1%) $1,199

Average premium in Wisconsin, 2018–2022

$1,120$1,140$1,160$1,180$1,200$1,220$1,240 20182019202020212022 $1,224
Average homeowners premium per year in Wisconsin.

All ZIP Codes in Wisconsin

718 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP City Premium
53125 Fontana $2,093
53058 Nashotah $1,919
54850 La Pointe $1,906
53122 Elm Grove $1,844
53147 Lake Geneva $1,824
53097 Mequon $1,811
53092 Mequon $1,811
53202 Milwaukee $1,808
53217 Milwaukee $1,807
54082 Houlton $1,792
54821 Cable $1,787
53029 Hartland $1,743
53211 Milwaukee $1,740
53561 Merrimac $1,719
54016 Hudson $1,715
54832 Drummond $1,676
54769 Stockholm $1,667
54212 Fish Creek $1,653
53018 Delafield $1,651
54021 Prescott $1,641
53726 Madison $1,640
54003 Beldenville $1,628
54750 Maiden Rock $1,621
53045 Brookfield $1,618
54025 Somerset $1,611
53562 Middleton $1,604
54810 Balsam Lake $1,603
53206 Milwaukee $1,599
54209 Egg Harbor $1,598
53183 Wales $1,596
53072 Pewaukee $1,594
54876 Stone Lake $1,575
54027 Wilson $1,573
53593 Verona $1,571
53597 Waunakee $1,569
54013 Glenwood City $1,560
53506 Avoca $1,556
54024 Saint Croix Falls $1,556
54941 Green Lake $1,554
54621 Chaseburg $1,552
54545 Manitowish Waters $1,548
53717 Madison $1,546
54007 Deer Park $1,537
53233 Milwaukee $1,537
53544 Hollandale $1,537
53588 Spring Green $1,524
53191 Williams Bay $1,524
54023 Roberts $1,522
53516 Blanchardville $1,515
53521 Brooklyn $1,514

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Wisconsin ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score
66.4
28th of 50 states by mean score · national mean 69.3
Counties joined
72
Distinct county FIPS on Wisconsin FIO ZIPs
Most common top hazard
Cold Wave
63 of 72 counties
Highest FEMA NRI counties in Wisconsin
County Risk score Rating Top hazard
Milwaukee 98.4 Relatively High Cold Wave
Dane 93.9 Relatively Moderate Cold Wave
Brown 90.0 Relatively Moderate Cold Wave
Counties with elevated FEMA hazard ratings in Wisconsin
Hazard Elevated counties Share of joined
Hail 8 11%
Tornado 8 11%
Winter weather 3 4%
Flooding 2 3%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Wisconsin: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,224/yr here).

Similar nonrenewal rate

Nearest states by average nonrenewal rate (0.75% here).

Frequently Asked Questions

What is the average homeowners insurance cost in Wisconsin?
Averaged across the 718 Wisconsin ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,224. This is 31% below the national average of $1,776.
How have insurance premiums changed in Wisconsin?
Wisconsin homeowners insurance premiums changed by +8.0% between 2018 and 2022. The average loss ratio is 72.0%, meaning insurers pay out that percentage of earned premiums in claims.
Which ZIP code has the most expensive insurance in Wisconsin?
The most expensive ZIP code for homeowners insurance in Wisconsin is 53125, with an average premium of $2,093/yr. The most affordable is 54542 at $797/yr.
What is the nonrenewal rate for Wisconsin homeowners insurance?
Averaged across the Wisconsin ZIP codes that report one (92% of the state's ZIP codes), the nonrenewal rate is 0.75%. This rate has changed by +8.7% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 53206 has the highest nonrenewal rate in the state at 2.43%.
What is a loss ratio and what does Wisconsin's mean?
A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Wisconsin's average loss ratio is 72.0%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.
How often do homeowners file insurance claims in Wisconsin?
The average claim frequency in Wisconsin is 5.50%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $14,839. Higher claim frequency and severity typically correlate with higher premiums.
What natural hazards drive risk in Wisconsin?
Across 72 FEMA National Risk Index counties that join to Wisconsin ZIP codes in the FIO file, the mean county risk score is 66.4 (4% below the 50-state mean of 69.3). The most common county-level top hazard is Cold Wave (63 of 72 counties). Elevated (Relatively High or Very High) county ratings concentrate in Hail (8), Tornado (8), Winter weather (3). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Wisconsin in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

  • Wisconsin ZIP premiums and nonrenewal rates in the same table. ZIP table
  • National premium board versus the population-floored nonrenewal board. Rankings
  • How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.