Home Insurance in Maine, Wisconsin
With a median home value of $277,500, Maine is 26% higher than the Marathon County median.
The typical home in Maine was built around 1978. About 27% of homes were built before 1960, about 3 points below Marathon County's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Maine is 91% single-family homes and 8% apartments in buildings with 5+ units.
In Maine, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Maine has an owner-occupancy rate of 91% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Maine, 47% of homes are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Maine? FEMA's National Risk Index points to hail (Relatively Moderate) in Marathon County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $277,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)