Home Insurance in La Crosse, Wisconsin
The median home value in La Crosse is $210,100, 18% lower than the La Crosse County median.
The typical home in La Crosse was built around 1965. About 46% of homes were built before 1960, about 15 points above La Crosse County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in La Crosse is 54% single-family homes, 31% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In La Crosse, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 46% of occupied homes in La Crosse are owner-occupied.
Most homes in La Crosse - 59% - are primarily heated with natural gas.
FEMA rates La Crosse County's overall risk as Relatively Low, led by hail (Relatively High). La Crosse County had 458 active NFIP flood policies as of September 2026. See the full La Crosse 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 | $210,100 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in La Crosse County | 458 |
| 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)