Home Insurance in Nelsonville, Wisconsin
The median home value in Nelsonville is $160,900, 34% lower than the Portage County median.
The median home in Nelsonville was built in 1939 or earlier. About 65% of homes were built before 1960, about 40 points above Portage County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Nelsonville, the housing stock is 85% single-family homes 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 58% of owner-occupied homes in Nelsonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Nelsonville are owner-occupied.
87% of homes in Nelsonville are primarily heated with natural gas.
What's the biggest home insurance risk near Nelsonville? FEMA's National Risk Index points to hail (Relatively Moderate) in Portage County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $160,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)