Home Insurance in Juneau County, Wisconsin
Homes in Juneau County carry a median value of $177,700 - 33% lower than the Wisconsin median.
The typical home in Juneau County was built around 1981. About 26% of homes were built before 1960, about 7 points below Wisconsin's 33%. 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 Juneau County is 71% single-family homes, 6% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
52% of owner-occupied homes in Juneau County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Juneau County 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. In Juneau County, 38% of homes are primarily heated with natural gas.
The top hazards for Juneau County, per FEMA's National Risk Index, are hail (Relatively Moderate), inland flooding (Relatively Low) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Juneau County has 88 active NFIP flood policies on file.
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 | $177,700 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Inland Flooding (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 88 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)