Home Insurance in Haugen, Wisconsin
Homes in Haugen carry a median value of $144,200 - 33% lower than the Barron County median.
The typical home in Haugen was built around 1974. About 42% of homes were built before 1960, about 12 points above Barron County's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Haugen breaks down to 85% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
55% of owner-occupied homes in Haugen carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Haugen are owner-occupied.
72% of homes in Haugen are primarily heated with natural gas.
FEMA rates Barron County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
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 | $144,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)