Home Insurance in Wheeler, Wisconsin
Homes in Wheeler carry a median value of $150,700 - 38% lower than the Dunn County median.
The typical home in Wheeler was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 42% of homes were built before 1960, about 16 points above Dunn County's 26%.
In Wheeler, the housing stock is 53% single-family homes, 4% apartments in buildings with 5+ units and 30% 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 Wheeler, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wheeler has an owner-occupancy rate of 78% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Wheeler - 57% - 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.
What's the biggest home insurance risk near Wheeler? 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 | $150,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)