Home Insurance in Edgar, Wisconsin
Homes in Edgar carry a median value of $180,200 - 18% lower than the Marathon County median.
The typical home in Edgar was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 27% of homes were built before 1960, about 4 points below Marathon County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Edgar is 71% single-family homes, 17% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 54% of owner-occupied homes in Edgar have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Edgar are owner-occupied.
79% of homes in Edgar are primarily heated with natural gas.
Marathon County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $180,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)