Data · May 2026 data · 12-month trend
Wisconsin Flood Insurance Costs
Wisconsin's flood insurance cost index stood at $990 in May 2026, measured across policies newly written or renewed that month. That puts the state roughly in line with the national average of $982. That is 0.5% lower year over year. 963 policies were written or renewed statewide that month; Clark County was the priciest county at $5,189 on average.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $990
- Avg total cost (with fees)
- $1,312
- Change (year over year)
- -0.5%
- vs national average
- +0.8%
- Policies written or renewed
- 963
- Counties reporting
- 66
Wisconsin trend, last 12 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $995 | $1,323 | 902 | |
| June 2025 | $930 | $1,238 | 804 | |
| August 2025 | $956 | $1,267 | 944 | |
| September 2025 | $823 | $1,097 | 1,053 | |
| October 2025 | $929 | $1,236 | 969 | |
| November 2025 | $1,185 | $1,473 | 888 | |
| December 2025 | $860 | $1,123 | 942 | |
| January 2026 | $838 | $1,136 | 825 | |
| February 2026 | $948 | $1,261 | 634 | |
| March 2026 | $896 | $1,189 | 1,080 | |
| April 2026 | $899 | $1,195 | 1,098 | |
| May 2026 | $990 | $1,312 | 963 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Clark County | $5,189 | $6,420 | 2 | |
| Lincoln County | $2,304 | $2,791 | 2 | |
| Adams County | $2,158 | $2,731 | 2 | |
| Trempealeau County | $2,093 | $2,626 | 8 | |
| Richland County | $2,044 | $2,597 | 2 | |
| Rock County | $2,004 | $2,498 | 33 | |
| Lafayette County | $1,947 | $2,519 | 3 | |
| Sauk County | $1,743 | $2,209 | 14 | |
| Juneau County | $1,705 | $2,197 | 2 | |
| Jefferson County | $1,652 | $2,109 | 18 | |
| Ozaukee County | $1,560 | $1,986 | 31 | |
| Oneida County | $1,460 | $2,020 | 3 | |
| Monroe County | $1,396 | $1,719 | 6 | |
| Washburn County | $1,393 | $1,866 | 9 | |
| Dunn County | $1,372 | $1,690 | 10 | |
| Chippewa County | $1,316 | $1,625 | 5 | |
| Milwaukee County | $1,305 | $1,654 | 98 | |
| Barron County | $1,273 | $1,709 | 5 | |
| Columbia County | $1,233 | $1,602 | 15 | |
| Sawyer County | $1,155 | $1,531 | 7 | |
| Jackson County | $1,133 | $1,409 | 1 | |
| Marinette County | $1,105 | $1,404 | 8 | |
| Shawano County | $1,093 | $1,361 | 3 | |
| Marathon County | $1,085 | $1,408 | 12 | |
| Marquette County | $1,065 | $1,329 | 3 | |
| Pierce County | $1,034 | $1,337 | 10 | |
| Winnebago County | $1,026 | $1,331 | 51 | |
| Wood County | $1,001 | $1,254 | 6 | |
| Waushara County | $992 | $1,355 | 2 | |
| Grant County | $966 | $1,324 | 14 | |
| Crawford County | $957 | $1,201 | 8 | |
| Brown County | $949 | $1,284 | 39 | |
| Price County | $895 | $1,353 | 1 | |
| Racine County | $854 | $1,150 | 48 | |
| Manitowoc County | $852 | $1,115 | 6 | |
| Eau Claire County | $852 | $1,105 | 8 | |
| St. Croix County | $838 | $1,120 | 15 | |
| Waukesha County | $834 | $1,109 | 52 | |
| Douglas County | $831 | $1,127 | 3 | |
| Portage County | $816 | $1,132 | 7 | |
| Green County | $811 | $1,074 | 5 | |
| Waupaca County | $793 | $1,129 | 13 | |
| Dodge County | $772 | $1,065 | 11 | |
| Oconto County | $766 | $1,032 | 12 | |
| Dane County | $757 | $1,020 | 69 | |
| Burnett County | $719 | $1,071 | 3 | |
| Kewaunee County | $713 | $1,025 | 2 | |
| Vilas County | $711 | $1,136 | 3 | |
| Green Lake County | $708 | $997 | 5 | |
| Taylor County | $704 | $948 | 5 | |
| Buffalo County | $675 | $958 | 5 | |
| Door County | $652 | $954 | 12 | |
| Walworth County | $641 | $880 | 13 | |
| Outagamie County | $635 | $856 | 19 | |
| Washington County | $630 | $870 | 45 | |
| Langlade County | $603 | $919 | 5 | |
| Calumet County | $602 | $820 | 6 | |
| Fond du Lac County | $598 | $821 | 37 | |
| Kenosha County | $554 | $763 | 18 | |
| Sheboygan County | $520 | $785 | 9 | |
| Iron County | $507 | $670 | 2 | |
| La Crosse County | $497 | $828 | 81 | |
| Bayfield County | $438 | $645 | 4 | |
| Forest County | $402 | $546 | 1 | |
| Pepin County | $393 | $536 | 1 | |
| Polk County | $356 | $605 | 2 |
Use this data
Download Wisconsin CSV (wisconsin.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Wisconsin Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/wisconsin
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.