Home Insurance in Centuria, Wisconsin
With a median home value of $145,600, Centuria is 46% lower than the Polk County median.
The typical home in Centuria was built around 1981. About 28% of homes were built before 1960, about 3 points above Polk County's 26%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Centuria is 63% single-family homes, 16% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
56% of owner-occupied homes in Centuria carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Centuria has an owner-occupancy rate of 56% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Centuria - 64% - 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.
Polk County had 43 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Polk 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 | $145,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Polk County | 43 |
| 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)