Home Insurance in Lake Hallie, Wisconsin
With a median home value of $292,100, Lake Hallie is 13% higher than the Chippewa County median.
The typical home in Lake Hallie was built around 1990. About 13% of homes were built before 1960, about 18 points below Chippewa County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lake Hallie is 83% single-family homes, 4% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
63% of owner-occupied homes in Lake Hallie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Lake Hallie are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lake Hallie - 68% - are primarily heated with natural gas.
FEMA rates Chippewa County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). Chippewa County had 92 active NFIP flood policies as of September 2026. See the full Chippewa 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 | $292,100 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)