Home Insurance in Fall River, Wisconsin
With a median home value of $243,700, Fall River is 14% lower than the Columbia County median.
The typical home in Fall River was built around 1993. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 18 points below Columbia County's 35%.
In Fall River, the housing stock is 69% single-family homes, 11% apartments in buildings with 5+ units and 7% 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.
In Fall River, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Fall River 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 Fall River - 80% - are primarily heated with natural gas.
What's the biggest home insurance risk near Fall River? FEMA's National Risk Index points to hail (Very High) in Columbia County and 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.
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 | $243,700 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Columbia County | 161 |
| 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)