Home Insurance in Blue River, Wisconsin
The median home value in Blue River is $124,100, 38% lower than the Grant County median.
The typical home in Blue River was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, about 9 points above Grant County's 35%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Blue River is 78% single-family homes, 7% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
39% of owner-occupied homes in Blue River carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Blue River are owner-occupied.
Most homes in Blue River - 65% - are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Blue River? FEMA's National Risk Index points to hail (Relatively Moderate) in Grant County and Grant County had 80 active NFIP flood policies as of September 2026. See the full Grant 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 | $124,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)