HomeInsuranceQts

Home Insurance in Unity, Wisconsin

Homes in Unity carry a median value of $105,300 - 52% lower than the Marathon County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Unity was built around 1960. About 50% of homes were built before 1960, about 19 points above Marathon County's 31%.

In Unity, the housing stock is 82% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Unity, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Unity has an owner-occupancy rate of 71% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.

Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Unity, 78% of homes 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.

The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).

Key figures

Median home value$105,300
Median year built1960
Owner-occupied share71%
Share of owner-occupied homes with a mortgage66%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Marathon County203
Home insurance premium$923 - statewide average (NAIC, 2023 data)
Key home insurance figures for Unity, WI

Nearby towns

Sources

Data last updated: 2026-09-29