Home Insurance in Stanley, Wisconsin
The median home value in Stanley is $167,400, 35% lower than the Chippewa 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 Stanley was built around 1962. About 48% of homes were built before 1960, about 17 points above Chippewa County's 31%.
The housing stock in Stanley is 63% single-family homes, 24% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
70% of owner-occupied homes in Stanley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Stanley are owner-occupied.
78% of homes in Stanley 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.
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 | $167,400 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)