Home Insurance in Patch Grove, Wisconsin
With a median home value of $150,300, Patch Grove is 25% lower than the Grant County median.
The typical home in Patch Grove was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 37% of homes were built before 1960, about 2 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 Patch Grove is 80% single-family homes, 5% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 80% of owner-occupied homes in Patch Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Patch Grove are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 62% of homes in Patch Grove are primarily heated with natural gas.
Grant County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $150,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)