Home Insurance in Onalaska, Wisconsin
The median home value in Onalaska is $288,900, 12% higher than the La Crosse County median.
The typical home in Onalaska was built around 1991. About 16% of homes were built before 1960, about 14 points below La Crosse County's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Onalaska, the housing stock is 64% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Onalaska, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Onalaska are owner-occupied.
64% of homes in Onalaska 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.
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 | $288,900 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)