Home Insurance in Rio, Wisconsin
The median home value in Rio is $196,100, 31% lower than the Columbia County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Rio was built around 1971. About 46% of homes were built before 1960, about 12 points above Columbia County's 35%.
Housing in Rio breaks down to 81% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 67% of owner-occupied homes in Rio have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rio has an owner-occupancy rate of 65% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
73% of homes in Rio are primarily heated with natural gas.
Columbia County had 161 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). See the full Columbia County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $196,100 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)