Home Insurance in Bell Center, Wisconsin
Homes in Bell Center carry a median value of $202,800 - 11% higher than the Crawford County median.
The typical home in Bell Center was built around 1960. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 50% of homes were built before 1960, about 18 points above Crawford County's 32%.
The housing stock in Bell Center is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 17% of owner-occupied homes in Bell Center have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bell Center has an owner-occupancy rate of 74% and a vacancy rate of 46%; unoccupied homes typically need a different coverage form.
In Bell Center, 36% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Crawford County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Crawford County had 81 active NFIP flood policies as of September 2026. See the full Crawford 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 | $202,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Crawford County | 81 |
| 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)