Home Insurance in Hatley, Wisconsin
Homes in Hatley carry a median value of $213,000 - close to the Marathon County median.
The typical home in Hatley was built around 1991. About 28% of homes were built before 1960, about 3 points below Marathon County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hatley, the housing stock is 93% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Hatley, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hatley has an owner-occupancy rate of 84% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Hatley - 86% - 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 | $213,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)