Home Insurance in Buffalo County, Wisconsin
The median home value in Buffalo County is $213,300, 20% lower than the Wisconsin median.
The typical home in Buffalo County was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 43% of homes were built before 1960, about 9 points above Wisconsin's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Buffalo County is 82% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 53% of owner-occupied homes in Buffalo County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Buffalo County has an owner-occupancy rate of 78% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
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. 50% of homes in Buffalo County are primarily heated with propane.
The top hazards for Buffalo County, per FEMA's National Risk Index, are hail (Relatively Low), tornado (Relatively Low) and strong wind (Relatively Low).
Buffalo County had 41 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 | $213,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Tornado (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 41 |
| 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)