Home Insurance in River Falls, Wisconsin
The median home value in River Falls is $327,600, close to the Pierce County median.
The typical home in River Falls was built around 1990. About 17% of homes were built before 1960, about 10 points below Pierce County's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in River Falls is 64% single-family homes, 23% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
69% of owner-occupied homes in River Falls carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in River Falls are owner-occupied.
70% of homes in River Falls are primarily heated with natural gas.
Pierce County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $327,600 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)