Home Insurance in Downing, Wisconsin
The median home value in Downing is $168,300, 31% lower than the Dunn County median.
The typical home in Downing was built around 1964. About 47% of homes were built before 1960, about 21 points above Dunn County's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Downing, the housing stock is 86% single-family homes, 4% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Downing carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Downing are owner-occupied.
In Downing, 68% of homes are primarily heated with natural gas. Homes heated with propane and wood 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 Downing? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Dunn County and Dunn County had 53 active NFIP flood policies as of September 2026. See the full Dunn 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 | $168,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Dunn County | 53 |
| 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)