Home Insurance in Warrens, Wisconsin
With a median home value of $155,100, Warrens is 26% lower than the Monroe County median.
The typical home in Warrens was built around 2002. About 14% of homes were built before 1960, about 17 points below Monroe County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Warrens is 76% single-family homes and 15% apartments in buildings with 5+ units.
About 55% of owner-occupied homes in Warrens have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 54% of occupied homes in Warrens are owner-occupied. The vacancy rate is 45%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in Warrens are primarily heated with natural gas. Homes heated with propane 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 Warrens? FEMA's National Risk Index points to hail (Relatively Moderate) in Monroe County and Monroe County had 109 active NFIP flood policies as of September 2026. See the full Monroe 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 | $155,100 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Monroe County | 109 |
| 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)