Home Insurance in Oliver, Wisconsin
With a median home value of $223,200, Oliver is 8% higher than the Douglas County median.
The typical home in Oliver was built around 1992. About 19% of homes were built before 1960, about 21 points below Douglas County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Oliver, the housing stock is 65% single-family homes, 7% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Oliver, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oliver has an owner-occupancy rate of 82% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Oliver, 68% of homes are primarily heated with propane.
What's the biggest home insurance risk near Oliver? FEMA's National Risk Index points to inland flooding (Relatively Low) in Douglas County and Douglas County had 64 active NFIP flood policies as of September 2026. See the full Douglas County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $223,200 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Douglas County | 64 |
| 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)