Home Insurance in Woodman, Wisconsin
With a median home value of $152,000, Woodman is 24% lower than the Grant County median.
The typical home in Woodman was built around 1974. About 33% of homes were built before 1960, about 1 point below Grant County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Woodman breaks down to 100% single-family homes.
About 35% of owner-occupied homes in Woodman have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Woodman are owner-occupied.
44% of homes in Woodman are primarily heated with propane. 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 Woodman? 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 | $152,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)