HomeInsuranceQts

Home Insurance in Cambria, Wisconsin

With a median home value of $157,900, Cambria is 44% lower than the Columbia County median.

The typical home in Cambria was built around 1945. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 58% of homes were built before 1960, about 23 points above Columbia County's 35%.

Housing in Cambria breaks down to 83% single-family homes and 13% apartments in buildings with 5+ units.

About 53% of owner-occupied homes in Cambria have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Cambria are owner-occupied.

76% of homes in Cambria are primarily heated with natural gas.

FEMA rates Columbia County's overall risk as Relatively Moderate, led by hail (Very High). Columbia County had 161 active NFIP flood policies as of September 2026. See the full Columbia 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$157,900
Median year built1945
Owner-occupied share76%
Share of owner-occupied homes with a mortgage53%
Top county hazardHail (Very High)
Active NFIP policies in Columbia County161
Home insurance premium$923 - statewide average (NAIC, 2023 data)
Key home insurance figures for Cambria, WI

Nearby towns

Sources

Data last updated: 2026-09-29