Home Insurance in Chetek, Wisconsin
Homes in Chetek carry a median value of $171,200 - 21% lower than the Barron County median.
The typical home in Chetek was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 35% of homes were built before 1960, about 4 points above Barron County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chetek is 75% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Chetek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Chetek has an owner-occupancy rate of 73% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Chetek - 81% - are primarily heated with natural gas.
Barron County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Barron County had 48 active NFIP flood policies as of September 2026. See the full Barron 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 | $171,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Barron County | 48 |
| 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)