Home Insurance in Mellen, Wisconsin
With a median home value of $78,100, Mellen is 54% lower than the Ashland County median.
The typical home in Mellen was built around 1952. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 58% of homes were built before 1960, about 18 points above Ashland County's 39%.
The housing stock in Mellen is 77% single-family homes, 10% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Mellen have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Mellen are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 78% of homes in Mellen are primarily heated with natural gas.
FEMA rates Ashland County's overall risk as Very Low, led by winter weather (Relatively Moderate). Ashland County had 21 active NFIP flood policies as of September 2026. See the full Ashland County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $78,100 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Ashland County | 21 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)