Home Insurance in Nelson, Wisconsin
The median home value in Nelson is $164,200, 23% lower than the Buffalo County median.
The typical home in Nelson was built around 1968. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 44% of homes were built before 1960, about 1 point above Buffalo County's 43%.
In Nelson, the housing stock is 78% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
56% of owner-occupied homes in Nelson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Nelson are owner-occupied.
Most homes in Nelson - 67% - are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Buffalo County had 41 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Buffalo 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 | $164,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)