Home Insurance in Yuba, Wisconsin
Homes in Yuba carry a median value of $315,800 - 60% higher than the Richland County median.
The typical home in Yuba was built around 1981. About 41% of homes were built before 1960, in line with Richland County (41%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Yuba, the housing stock is 86% single-family homes. The rest are 2-4 unit or other housing types.
6% of owner-occupied homes in Yuba carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Yuba are owner-occupied.
In Yuba, 79% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Richland County had 27 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Richland 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 | $315,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 6% |
| 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)