Home Insurance in Thorp, Wisconsin
The median home value in Thorp is $160,000, 7% lower than the Clark County median.
The typical home in Thorp was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 41% of homes were built before 1960, about 1 point above Clark County's 39%.
The housing stock in Thorp is 80% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Thorp, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Thorp are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Thorp - 79% - are primarily heated with natural gas.
What's the biggest home insurance risk near Thorp? FEMA's National Risk Index points to hail (Relatively Moderate) in Clark County and 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.
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 | $160,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)