Home Insurance in Black River Falls, Wisconsin
The median home value in Black River Falls is $171,800, 12% lower than the Jackson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Black River Falls was built around 1972. About 38% of homes were built before 1960, about 8 points above Jackson County's 31%.
Housing in Black River Falls breaks down to 73% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Black River Falls, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Black River Falls are owner-occupied.
Most homes in Black River Falls - 70% - are primarily heated with natural gas.
Jackson County had 37 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Jackson 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 | $171,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Jackson County | 37 |
| 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)