Home Insurance in Price County, Wisconsin
With a median home value of $162,500, Price County is 39% lower than the Wisconsin median.
The typical home in Price County was built around 1976. About 33% of homes were built before 1960, in line with Wisconsin (33%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Price County, the housing stock is 84% single-family homes, 4% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Price County, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Price County has an owner-occupancy rate of 82% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.
36% of homes in Price County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Price County, per FEMA's National Risk Index, are inland flooding (Relatively Low), tornado (Relatively Low) and strong wind (Relatively Low).
As of September 2026, Price County has 23 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $162,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Tornado (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 23 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)