Home Insurance in Clark County, Wisconsin
The median home value in Clark County is $172,800, 35% lower than the Wisconsin median.
The typical home in Clark County was built around 1972. About 39% of homes were built before 1960, about 6 points above Wisconsin's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clark County is 84% single-family homes, 6% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In Clark County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Clark County are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 36% of homes in Clark County are primarily heated with natural gas.
Per FEMA's National Risk Index, Clark County's top hazards are hail (Relatively Moderate), strong wind (Relatively Moderate) and tornado (Relatively Moderate).
As of September 2026, Clark County has 23 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $172,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 23 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)