Home Insurance in Amherst Junction, Wisconsin
The median home value in Amherst Junction is $314,300, 29% higher than the Portage County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Amherst Junction was built around 1990. About 19% of homes were built before 1960, about 6 points below Portage County's 25%.
Housing in Amherst Junction breaks down to 84% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Amherst Junction, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Amherst Junction are owner-occupied.
86% of homes in Amherst Junction are primarily heated with natural gas.
FEMA rates Portage County's overall risk as Relatively Low, led by hail (Relatively Moderate). Portage County had 55 active NFIP flood policies as of September 2026. See the full Portage County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $314,300 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Portage County | 55 |
| 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)