Home Insurance in Augusta, Wisconsin
Homes in Augusta carry a median value of $148,400 - 43% lower than the Eau Claire County median.
The typical home in Augusta was built around 1957. About 53% of homes were built before 1960, about 23 points above Eau Claire County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Augusta, the housing stock is 81% single-family homes, 13% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Augusta, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Augusta has an owner-occupancy rate of 72% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Augusta, 78% of homes are primarily heated with natural gas.
Eau Claire County had 96 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $148,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)