Home Insurance in Harrison, Wisconsin
The median home value in Harrison is $348,500, 27% higher than the Calumet County median.
The typical home in Harrison was built around 2002. About 13% of homes were built before 1960, about 9 points below Calumet County's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Harrison, the housing stock is 91% single-family homes and 7% apartments in buildings with 5+ units.
About 73% of owner-occupied homes in Harrison have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Harrison has an owner-occupancy rate of 89% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Harrison - 74% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Calumet County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Calumet County had 55 active NFIP flood policies as of September 2026. See the full Calumet 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 | $348,500 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Calumet County | 55 |
| 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)