Home Insurance in Spring Valley, Wisconsin
With a median home value of $198,900, Spring Valley is 40% lower than the Pierce County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Spring Valley was built around 1972. About 41% of homes were built before 1960, about 14 points above Pierce County's 27%.
In Spring Valley, the housing stock is 76% single-family homes, 14% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 77% of owner-occupied homes in Spring Valley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Spring Valley has an owner-occupancy rate of 75% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
80% of homes in Spring Valley 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 | $198,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)