Home Insurance in Crawford County, Wisconsin
With a median home value of $183,400, Crawford County is 31% lower than the Wisconsin median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Crawford County was built around 1978. About 32% of homes were built before 1960, about 1 point below Wisconsin's 33%.
The housing stock in Crawford County is 77% single-family homes, 5% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Crawford County, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Crawford County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Crawford County, 47% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Crawford County's top hazards are hail (Relatively Moderate), tornado (Relatively Low) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Crawford County has 81 active NFIP flood policies on file.
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 | $183,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 81 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bell Center
- Eastman
- Ferryville
- Gays Mills
- Lynxville
- Mount Sterling
- Prairie du Chien
- Soldiers Grove
- Steuben
- Wauzeka
Sources
- 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)