Home Insurance in Superior, Wisconsin
The median home value in Superior is $274,200, 33% higher than the Douglas County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Superior was built around 1982. About 22% of homes were built before 1960, about 18 points below Douglas County's 40%.
In Superior, the housing stock is 75% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in Superior carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
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 Superior are owner-occupied.
72% of homes in Superior are primarily heated with natural gas.
What's the biggest home insurance risk near Superior? 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.
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 | $274,200 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)