ZIP Codes Tracked
718
U.S. Treasury FIO data for 718 ZIP codes in Wisconsin (WI).
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.
Source: 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 caveats.
Wisconsin homeowners paid an average of $1,224 per year for home insurance based on U.S. Treasury FIO data covering 718 ZIP codes across the state. 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%, 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 for educational research only and is not insurance advice — homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.
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 |
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 |
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 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