Home Insurance in Grantsburg, Wisconsin
The median home value in Grantsburg is $153,300, 34% lower than the Burnett County median.
The typical home in Grantsburg was built around 1967. About 38% of homes were built before 1960, about 20 points above Burnett County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Grantsburg, the housing stock is 70% single-family homes, 15% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in Grantsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Grantsburg has an owner-occupancy rate of 68% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Grantsburg - 76% - are primarily heated with natural gas.
FEMA rates Burnett County's overall risk as Relatively Low, led by hail (Relatively Low). Burnett County had 68 active NFIP flood policies as of September 2026. See the full Burnett 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 | $153,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Burnett County | 68 |
| 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)