Home Insurance in Boyd, Wisconsin
The median home value in Boyd is $140,000, 46% lower than the Chippewa County median.
The typical home in Boyd was built around 1954. About 57% of homes were built before 1960, about 26 points above Chippewa County's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Boyd, the housing stock is 93% single-family homes and 2% apartments in buildings with 5+ units.
58% of owner-occupied homes in Boyd carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Boyd are owner-occupied.
Most homes in Boyd - 86% - are primarily heated with natural gas.
Chippewa County had 92 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Chippewa County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $140,000 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Chippewa County | 92 |
| 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)