Home Insurance in Webster, Wisconsin
Homes in Webster carry a median value of $116,800 - 50% lower than the Burnett County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Webster was built around 1976. About 30% of homes were built before 1960, about 12 points above Burnett County's 18%.
In Webster, the housing stock is 67% single-family homes, 26% 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.
62% of owner-occupied homes in Webster carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in Webster are owner-occupied.
62% of homes in Webster are primarily heated with natural gas.
Burnett County had 68 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). 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 | $116,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)