Home Insurance in Hawkins, Wisconsin
With a median home value of $72,500, Hawkins is 56% lower than the Rusk County median.
The typical home in Hawkins was built around 1954. About 53% of homes were built before 1960, about 23 points above Rusk County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hawkins, the housing stock is 82% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hawkins, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Hawkins are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 75% of homes in Hawkins are primarily heated with propane.
What's the biggest home insurance risk near Hawkins? FEMA's National Risk Index points to inland flooding (Relatively Low) in Rusk County and 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.
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 | $72,500 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)