Home Insurance in Prentice, Wisconsin
With a median home value of $108,800, Prentice is 33% lower than the Price County median.
The typical home in Prentice was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 5 points above Price County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Prentice is 63% single-family homes, 19% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
In Prentice, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Prentice are owner-occupied.
Most homes in Prentice - 85% - are primarily heated with natural gas.
Price County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Price County had 23 active NFIP flood policies as of September 2026. See the full Price County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $108,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Price County | 23 |
| 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)