Home Insurance in Athens, Wisconsin
Homes in Athens carry a median value of $189,700 - 14% lower than the Marathon County median.
The typical home in Athens was built around 1966. About 44% of homes were built before 1960, about 13 points above Marathon County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Athens breaks down to 65% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
55% of owner-occupied homes in Athens carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 65% of occupied homes in Athens are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
67% of homes in Athens are primarily heated with natural gas.
FEMA rates Marathon County's overall risk as Relatively Moderate, led by hail (Relatively Moderate). Marathon County had 203 active NFIP flood policies as of September 2026. See the full Marathon 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 | $189,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Marathon County | 203 |
| 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)