Home Insurance in La Crosse County, Wisconsin
Homes in La Crosse County carry a median value of $257,000 - close to the Wisconsin median.
The typical home in La Crosse County was built around 1978. About 31% of homes were built before 1960, about 3 points below Wisconsin's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In La Crosse County, the housing stock is 66% single-family homes, 20% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in La Crosse County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in La Crosse County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in La Crosse County - 61% - are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively High), tornado (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for La Crosse County.
La Crosse County had 458 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $257,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 458 |
| 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)