Home Insurance in Siren, Wisconsin
With a median home value of $190,400, Siren is 18% lower than the Burnett County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Siren was built around 1974. About 33% of homes were built before 1960, about 15 points above Burnett County's 18%.
In Siren, the housing stock is 68% single-family homes, 20% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Siren have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Siren has an owner-occupancy rate of 70% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 77% of homes in Siren are primarily heated with natural gas.
Burnett County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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.
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 | $190,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)