Home Insurance in Gays Mills, Wisconsin
Homes in Gays Mills carry a median value of $164,500 - 10% lower than the Crawford County median.
The typical home in Gays Mills was built around 1982. About 27% of homes were built before 1960, about 5 points below Crawford County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Gays Mills, the housing stock is 77% single-family homes, 11% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Gays Mills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Gays Mills are owner-occupied.
In Gays Mills, 48% of homes are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Gays Mills? FEMA's National Risk Index points to hail (Relatively Moderate) in Crawford County and 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.
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 | $164,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)