Home Insurance in St. Croix Falls, Wisconsin
The median home value in St. Croix Falls is $249,400, 8% lower than the Polk County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in St. Croix Falls was built around 1977. About 32% of homes were built before 1960, about 7 points above Polk County's 26%.
The housing stock in St. Croix Falls is 64% single-family homes, 19% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in St. Croix Falls carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Croix Falls has an owner-occupancy rate of 59% and a vacancy rate of 7%; 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 St. Croix Falls, 66% of homes are primarily heated with natural gas.
FEMA rates Polk County's overall risk as Relatively Low, led by strong wind (Relatively High). Polk County had 43 active NFIP flood policies as of September 2026. 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 | $249,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)