Home Insurance in Loyal, Wisconsin
Homes in Loyal carry a median value of $119,700 - 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 Loyal was built around 1968. About 41% of homes were built before 1960, about 2 points above Clark County's 39%.
In Loyal, the housing stock is 77% single-family homes, 7% apartments in buildings with 5+ units and 5% 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.
About 43% of owner-occupied homes in Loyal have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Loyal has an owner-occupancy rate of 75% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Loyal, 79% of homes are primarily heated with natural gas.
FEMA rates Clark County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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 | $119,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)