Flood insurance in Wisconsin: cost by ZIP code and county
Wisconsin has 7,969 single-family flood policies; their median bill was $955 on July 31, 2026, a little under the national median.
Median single-family flood bill, Wisconsin
$955
7,969 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,005 |
| Policies still below their full-risk price | 34 % |
| Median paid in August 2023 | $804 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $5,025 |
| Median claim paid, 2016 to 2025 (1,263 claims) | $13,912 |
Compiled by Radif Partners · Where the numbers come from · 291 ZIP codes and 69 counties of Wisconsin in FEMA's tables · not a quote
Wisconsin's single-family flood policies had a median yearly bill of $955 on July 31, 2026, counting premium, Reserve Fund Assessment, HFIAA surcharge and Federal Policy Fee, across 7,969 policies. Few states are closer to the end of the price climb. The full-risk median of those homes is $1,005, only slightly above the bill, and 34 % of policies are still capped, against 47 % nationally. In most of the state, then, the yearly bill now follows FEMA's general rate changes more than the 18 % cap. Policies are spread thinly over 69 counties: Milwaukee County has the most, 800, at a median of $991. Claims climbed in 2025, when the Milwaukee metro flood produced 235 paid single-family claims, the largest event in the state's ten-year file.
Small numbers, low gap
Wisconsin buys little flood insurance. The 7,969 single-family policies in force on July 31, 2026 are a tiny share of its houses, and almost every county has only a few hundred. Bills are modest: 50 % of the state's 2023 full-risk prices were under $1,000, a larger share than the national 37 %. Fond du Lac County, where the USGS measures the south end of Lake Winnebago, is among the cheapest, $685 at the median, and Waukesha County is at $745.
Wisconsin medians against your own bill
Single-family flood policies in Wisconsin
$955
| Median full-risk price, same policies | $1,005 |
| Still below their full-risk price | 34 % |
| Median paid in August 2023 | $804 |
| Gap left from the bill entered | 1 renewal at 18 % |
Lake Michigan and the Great Lakes shore
FEMA's model treats the Great Lakes as their own exposure. It flagged 11 % of Wisconsin's 2023 single-family policies as exposed to Great Lakes flooding. A handful of policies, 14, are even rated in V zones, the coastal high hazard label for areas flooded with velocity. Brown County, around the city of Green Bay, has 420 policies at a median $896.
La Crosse County, where the USGS gauges the Mississippi River at La Crosse, has 315 policies at a median $878, with only 25 % still capped. Ozaukee County, which borders Milwaukee County to the north, pays more, $1,068 at the median.
A metro flood and a March flood
The two events at the top of Wisconsin's claims list are of two kinds. In 2025, an urban flood in the Milwaukee area paid 235 claims on single-family homes, $6,857,953 in total. In 2019, the March 2019 Midwest Flooding paid 216 claims. Over the decade, 430 of the 1,263 paid claims were on homes outside a mapped high-risk area. Dane County, around Madison, had a median claim of $19,756, well above its median bill of $776.
The exception to the low gap is Rock County, where FEMA's 2023 tables put the median full-risk price at $2,435, more than double the $1,106 paid then. The monthly cost page breaks a yearly bill into monthly amounts.
The Wisconsin counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Milwaukee County | 800 | $991 | $1,054 | 33 % | 1 | $807 | $12,861 |
| Brown County | 420 | $896 | $977 | 35 % | 1 | $796 | $8,209 |
| Dane County | 613 | $776 | $791 | 31 % | 1 | $719 | $19,756 |
| La Crosse County | 315 | $878 | $892 | 25 % | 1 | $761 | $8,093 |
| Winnebago County | 389 | $897 | $945 | 31 % | 1 | $761 | $11,291 |
| Waukesha County | 487 | $745 | $747 | 27 % | 1 | $751 | $17,279 |
| Fond du Lac County | 378 | $685 | $695 | 23 % | 1 | $635 | $13,846 |
| Ozaukee County | 313 | $1,068 | $1,127 | 29 % | 1 | $871 | $11,169 |
Full-risk prices of Wisconsin homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 4,181 | 49.6 % | $386,556 |
| $1,000 to $2,000 | 2,667 | 31.6 % | $405,963 |
| $2,000 to $3,000 | 885 | 10.5 % | $431,546 |
| $3,000 to $4,000 | 391 | 4.6 % | $480,604 |
| $4,000 to $5,000 | 148 | 1.8 % | $539,981 |
| $5,000 or more | 164 | 2.0 % |
The floods that paid the most Wisconsin claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| 2025-08-MilwaukeeMetro-Flood | 2025 | 235 | $6,857,953 |
| March 2019 Midwest Flooding | 2019 | 216 | $4,581,768 |