Home Insurance in Rockland, Wisconsin
The median home value in Rockland is $223,000, 13% lower than the La Crosse County median.
The typical home in Rockland was built around 1987. About 16% of homes were built before 1960, about 15 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.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rockland is 87% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Rockland, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rockland has an owner-occupancy rate of 80% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Rockland, 73% of homes are primarily heated with natural gas.
La Crosse County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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.
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 | $223,000 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)