Home Insurance in Maiden Rock, Wisconsin
With a median home value of $178,600, Maiden Rock is 46% lower than the Pierce County median.
The median home in Maiden Rock was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 82% of homes were built before 1960, about 55 points above Pierce County's 27%.
In Maiden Rock, the housing stock is 82% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
75% of owner-occupied homes in Maiden Rock carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Maiden Rock has an owner-occupancy rate of 100% and a vacancy rate of 44%; 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 Maiden Rock, 48% of homes are primarily heated with natural gas.
FEMA rates Pierce County's overall risk as Very Low, led by strong wind (Relatively Moderate). Pierce County had 65 active NFIP flood policies as of September 2026. See the full Pierce 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 | $178,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Pierce County | 65 |
| 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)