Home Insurance in Marathon County, Wisconsin
Homes in Marathon County carry a median value of $219,600 - 18% lower than the Wisconsin median.
The typical home in Marathon 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 Marathon County, the housing stock is 78% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
59% of owner-occupied homes in Marathon County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Marathon County has an owner-occupancy rate of 73% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 56% of homes in Marathon County are primarily heated with natural gas.
Per FEMA's National Risk Index, Marathon County's top hazards are hail (Relatively Moderate), inland flooding (Relatively Moderate) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Marathon County has 203 active NFIP flood policies on file.
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 | $219,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Inland Flooding (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 203 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Athens
- Edgar
- Elderon
- Fenwood
- Hatley
- Kronenwetter
- Maine
- Marathon City
- Mosinee
- Rib Mountain
- Rothschild
- Schofield
- Spencer
- Stratford
- Unity
- Wausau
- Weston
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)