Home Insurance in Florence County, Wisconsin
The median home value in Florence County is $173,200, 35% lower than the Wisconsin median.
The typical home in Florence County was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 30% of homes were built before 1960, about 4 points below Wisconsin's 33%.
In Florence County, the housing stock is 87% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Florence County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Florence County has an owner-occupancy rate of 91% and a vacancy rate of 53%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 44% of homes in Florence County are primarily heated with natural gas.
The top hazards for Florence County, per FEMA's National Risk Index, are hail (Relatively Low), winter weather (Very Low) and tornado (Very Low).
Florence County had 9 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $173,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Winter Weather (Very Low), Tornado (Very Low) |
| Active NFIP flood policies (county) | 9 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Sources
- 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)