Data · July 2026 data · 15-month trend
Wisconsin Flood Insurance Costs
Wisconsin's flood insurance cost index stood at $1,111 in July 2026, measured across policies newly written or renewed that month. That runs +12.7% above the national average of $986. That is 6.3% higher year over year. 891 policies were written or renewed statewide that month; Pepin County was the priciest county at $3,679 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 — July 2026
- Average premium
- $1,111
- Avg total cost (with fees)
- $1,455
- Change (year over year)
- +6.3%
- vs national average
- +12.7%
- Policies written or renewed
- 891
- Counties reporting
- 69
Wisconsin trend, last 15 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 | $994 | $1,323 | 902 | |
| June 2025 | $930 | $1,238 | 804 | |
| July 2025 | $1,045 | $1,376 | 867 | |
| August 2025 | $955 | $1,266 | 944 | |
| September 2025 | $823 | $1,097 | 1,053 | |
| October 2025 | $929 | $1,236 | 970 | |
| November 2025 | $1,185 | $1,473 | 888 | |
| December 2025 | $860 | $1,122 | 943 | |
| January 2026 | $839 | $1,137 | 825 | |
| February 2026 | $948 | $1,261 | 634 | |
| March 2026 | $900 | $1,193 | 1,081 | |
| April 2026 | $900 | $1,195 | 1,099 | |
| May 2026 | $992 | $1,316 | 1,004 | |
| June 2026 | $982 | $1,297 | 800 | |
| July 2026 | $1,111 | $1,455 | 891 |
County breakdown — July 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 |
|---|---|---|---|---|
| Pepin County | $3,679 | $4,638 | 6 | |
| Jefferson County | $2,335 | $2,939 | 8 | |
| Manitowoc County | $2,228 | $2,869 | 4 | |
| Waushara County | $2,190 | $2,656 | 4 | |
| Jackson County | $2,078 | $2,524 | 1 | |
| Rock County | $2,070 | $2,589 | 21 | |
| Trempealeau County | $2,024 | $2,573 | 6 | |
| Pierce County | $1,821 | $2,266 | 5 | |
| Sheboygan County | $1,735 | $2,198 | 17 | |
| Outagamie County | $1,720 | $2,153 | 13 | |
| Price County | $1,708 | $2,200 | 2 | |
| Dunn County | $1,597 | $2,047 | 5 | |
| Eau Claire County | $1,503 | $1,871 | 9 | |
| Monroe County | $1,494 | $1,921 | 13 | |
| Chippewa County | $1,488 | $1,878 | 9 | |
| Vilas County | $1,464 | $1,950 | 3 | |
| Milwaukee County | $1,459 | $1,870 | 100 | |
| Sauk County | $1,439 | $1,920 | 9 | |
| Waupaca County | $1,427 | $1,822 | 17 | |
| Kewaunee County | $1,351 | $1,741 | 3 | |
| Columbia County | $1,306 | $1,646 | 27 | |
| Marathon County | $1,259 | $1,595 | 18 | |
| Shawano County | $1,214 | $1,729 | 2 | |
| Oneida County | $1,210 | $1,612 | 2 | |
| Ozaukee County | $1,202 | $1,556 | 38 | |
| Green County | $1,186 | $1,472 | 3 | |
| Lafayette County | $1,131 | $1,632 | 2 | |
| Portage County | $1,131 | $1,407 | 1 | |
| Winnebago County | $1,103 | $1,408 | 39 | |
| Kenosha County | $1,079 | $1,417 | 22 | |
| St. Croix County | $1,073 | $1,370 | 7 | |
| Wood County | $1,033 | $1,376 | 16 | |
| Lincoln County | $1,026 | $1,508 | 1 | |
| Green Lake County | $1,022 | $1,427 | 9 | |
| Vernon County | $969 | $1,215 | 1 | |
| Marinette County | $953 | $1,309 | 10 | |
| La Crosse County | $946 | $1,251 | 36 | |
| Sawyer County | $934 | $1,309 | 5 | |
| Ashland County | $929 | $1,318 | 3 | |
| Dane County | $897 | $1,202 | 66 | |
| Racine County | $895 | $1,194 | 34 | |
| Grant County | $882 | $1,263 | 6 | |
| Langlade County | $867 | $1,230 | 5 | |
| Brown County | $853 | $1,112 | 47 | |
| Fond du Lac County | $839 | $1,139 | 41 | |
| Florence County | $837 | $1,134 | 3 | |
| Burnett County | $833 | $1,204 | 9 | |
| Oconto County | $807 | $1,136 | 8 | |
| Crawford County | $791 | $1,034 | 8 | |
| Polk County | $783 | $996 | 1 | |
| Douglas County | $752 | $1,001 | 11 | |
| Iowa County | $722 | $1,000 | 3 | |
| Richland County | $713 | $1,138 | 1 | |
| Adams County | $691 | $977 | 5 | |
| Juneau County | $683 | $910 | 7 | |
| Buffalo County | $655 | $958 | 2 | |
| Marquette County | $652 | $923 | 11 | |
| Waukesha County | $639 | $878 | 47 | |
| Barron County | $627 | $947 | 5 | |
| Walworth County | $624 | $854 | 10 | |
| Rusk County | $601 | $931 | 3 | |
| Dodge County | $596 | $876 | 9 | |
| Washington County | $578 | $838 | 18 | |
| Washburn County | $573 | $898 | 6 | |
| Calumet County | $546 | $716 | 1 | |
| Clark County | $435 | $585 | 1 | |
| Iron County | $393 | $536 | 1 | |
| Bayfield County | $383 | $674 | 3 | |
| Door County | $311 | $499 | 22 |
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 (NFIP Redacted Policies v3).
"Wisconsin Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/wisconsin
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.