Home Insurance in Polk County, Wisconsin
Homes in Polk County carry a median value of $271,900 - close to the Wisconsin median.
The typical home in Polk County was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 8 points below Wisconsin's 33%.
The housing stock in Polk County is 83% single-family homes, 6% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Polk County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Polk County has an owner-occupancy rate of 81% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Polk County, 42% of homes are primarily heated with propane.
Per FEMA's National Risk Index, Polk County's top hazards are strong wind (Relatively High), hail (Relatively Moderate) and tornado (Relatively Moderate).
Polk County had 43 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $271,900 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 43 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Clayton
- Median home value: $135,700
- Median year built: 1971
- Owner-occupied share: 65%
-
Luck
- Median home value: $167,500
- Median year built: 1973
- Owner-occupied share: 65%
Sources
- 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)