Home Insurance in Menomonie, Wisconsin
Homes in Menomonie carry a median value of $220,800 - 9% lower than the Dunn County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Menomonie was built around 1985. About 24% of homes were built before 1960, about 2 points below Dunn County's 26%.
The housing stock in Menomonie is 46% single-family homes, 32% apartments in buildings with 5+ units and 6% 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.
61% of owner-occupied homes in Menomonie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Menomonie has an owner-occupancy rate of 40% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Menomonie, 50% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Dunn County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $220,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)