Home Insurance in Fairchild, Wisconsin
The median home value in Fairchild is $91,700, 65% lower than the Eau Claire County median.
The typical home in Fairchild was built around 1966. About 46% of homes were built before 1960, about 17 points above Eau Claire County's 30%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fairchild is 69% single-family homes, 20% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Fairchild, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fairchild has an owner-occupancy rate of 69% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Fairchild, 55% 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.
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.
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 | $91,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)