Home Insurance in Cochrane, Wisconsin
Homes in Cochrane carry a median value of $139,700 - 35% lower than the Buffalo County median.
The typical home in Cochrane was built around 1953. About 65% of homes were built before 1960, about 22 points above Buffalo County's 43%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Cochrane breaks down to 82% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 71% of owner-occupied homes in Cochrane have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cochrane has an owner-occupancy rate of 77% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 54% of homes in Cochrane are primarily heated with propane.
FEMA rates Buffalo County's overall risk as Very Low, led by hail (Relatively Low). 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.
The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $139,700 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)