Home Insurance in Elroy, Wisconsin
Homes in Elroy carry a median value of $136,600 - 23% lower than the Juneau County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Elroy was built around 1950. About 63% of homes were built before 1960, about 38 points above Juneau County's 26%.
The housing stock in Elroy is 81% single-family homes and 6% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 60% of owner-occupied homes in Elroy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Elroy has an owner-occupancy rate of 76% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Elroy, 84% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Elroy? FEMA's National Risk Index points to hail (Relatively Moderate) in Juneau County and Juneau County had 88 active NFIP flood policies as of September 2026. See the full Juneau County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $136,600 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Juneau County | 88 |
| 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)