Home Insurance in Ashland County, Wisconsin
The median home value in Ashland County is $170,300, 36% lower than the Wisconsin median.
The typical home in Ashland County was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 6 points above Wisconsin's 33%.
The housing stock in Ashland County is 78% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Ashland County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ashland County has an owner-occupancy rate of 73% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 51% of homes in Ashland County are primarily heated with natural gas.
The top hazards for Ashland County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), inland flooding (Very Low) and hail (Very Low).
Ashland County had 21 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $170,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Inland Flooding (Very Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 21 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)