Home Insurance in Greenwood, Wisconsin
Homes in Greenwood carry a median value of $119,500 - 31% lower than the Clark County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Greenwood was built around 1973. About 34% of homes were built before 1960, about 5 points below Clark County's 39%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Greenwood is 73% single-family homes, 14% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Greenwood, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Greenwood has an owner-occupancy rate of 71% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Greenwood - 75% - are primarily heated with natural gas.
Clark County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Clark County had 23 active NFIP flood policies as of September 2026. See the full Clark 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 | $119,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Clark County | 23 |
| 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)