Home Insurance in Wyocena, Wisconsin
The median home value in Wyocena is $223,500, 21% lower than the Columbia County median.
The typical home in Wyocena was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, about 8 points below Columbia County's 35%.
Housing in Wyocena breaks down to 76% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
76% of owner-occupied homes in Wyocena carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Wyocena are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Wyocena, 69% of homes 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 | $223,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)