Home Insurance in Altoona, Wisconsin
Homes in Altoona carry a median value of $233,100 - 11% lower than the Eau Claire County median.
The typical home in Altoona was built around 1990. About 12% of homes were built before 1960, about 18 points below Eau Claire County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Altoona is 51% single-family homes, 27% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Altoona, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Altoona are owner-occupied.
In Altoona, 63% of homes are primarily heated with natural gas.
Eau Claire County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Eau Claire County had 96 active NFIP flood policies as of September 2026. See the full Eau Claire County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $233,100 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Eau Claire County | 96 |
| 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)