Home Insurance in Rosholt, Wisconsin
With a median home value of $193,800, Rosholt is 20% lower than the Portage County median.
The typical home in Rosholt was built around 1943. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 64% of homes were built before 1960, about 39 points above Portage County's 25%.
The housing stock in Rosholt is 85% single-family homes and 9% apartments in buildings with 5+ units.
In Rosholt, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Rosholt are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Rosholt - 74% - are primarily heated with natural gas.
What's the biggest home insurance risk near Rosholt? 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.
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 | $193,800 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)