Home Insurance in Bruce, Wisconsin
With a median home value of $87,100, Bruce is 47% lower than the Rusk County median.
The typical home in Bruce was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 16 points above Rusk County's 30%.
In Bruce, the housing stock is 73% single-family homes, 7% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Bruce carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bruce has an owner-occupancy rate of 68% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Bruce - 75% - are primarily heated with natural gas.
Rusk County had 22 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Low). See the full Rusk 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 | $87,100 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Rusk County | 22 |
| 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)