Home Insurance in Conrath, Wisconsin
Homes in Conrath carry a median value of $153,100 - 6% lower than the Rusk County median.
The typical home in Conrath was built around 1978. About 19% of homes were built before 1960, about 11 points below Rusk County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Conrath is 58% single-family homes, 9% apartments in buildings with 5+ units and 33% mobile or manufactured homes.
About 50% of owner-occupied homes in Conrath have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 37% of occupied homes in Conrath are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Conrath, 55% of homes are primarily heated with propane.
FEMA rates Rusk County's overall risk as Very Low, led by inland flooding (Relatively Low). Rusk County had 22 active NFIP flood policies as of September 2026. 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.
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 | $153,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)