Home Insurance in Buffalo City, Wisconsin
Homes in Buffalo City carry a median value of $182,100 - 15% lower than the Buffalo County median.
The typical home in Buffalo City was built around 1975. About 23% of homes were built before 1960, about 20 points below Buffalo County's 43%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Buffalo City, the housing stock is 89% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Buffalo City, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Buffalo City are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 75% of homes in Buffalo City are primarily heated with propane.
Buffalo County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Buffalo County had 41 active NFIP flood policies as of September 2026. See the full Buffalo 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 | $182,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Buffalo County | 41 |
| 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)