Home Insurance in Richland Center, Wisconsin
The median home value in Richland Center is $158,300, 20% lower than the Richland County median.
The typical home in Richland Center was built around 1961. About 49% of homes were built before 1960, about 8 points above Richland County's 41%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Richland Center breaks down to 62% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Richland Center, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Richland Center has an owner-occupancy rate of 51% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Richland Center, 70% of homes are primarily heated with natural gas.
FEMA rates Richland County's overall risk as Relatively Low, led by hail (Relatively Moderate). Richland County had 27 active NFIP flood policies as of September 2026. See the full Richland 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 | $158,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Richland County | 27 |
| 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)