Home Insurance in Bagley, Wisconsin
With a median home value of $119,400, Bagley is 41% lower than the Grant County median.
The typical home in Bagley was built around 1977. About 32% of homes were built before 1960, about 3 points below Grant County's 35%. 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 Bagley is 57% single-family homes, 5% apartments in buildings with 5+ units and 38% mobile or manufactured homes.
In Bagley, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 46%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Bagley are owner-occupied.
Most homes in Bagley - 66% - are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Grant County had 80 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Grant 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 | $119,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Grant County | 80 |
| 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)