Home Insurance in Mason, Wisconsin
Homes in Mason carry a median value of $112,500 - 53% lower than the Bayfield County median.
The typical home in Mason was built around 1949. About 58% of homes were built before 1960, about 32 points above Bayfield County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Mason is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 81% of owner-occupied homes in Mason have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Mason are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
59% of homes in Mason are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Bayfield County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Bayfield County had 23 active NFIP flood policies as of September 2026. See the full Bayfield 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 | $112,500 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Bayfield County | 23 |
| 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)