Home Insurance in Ingram, Wisconsin
With a median home value of $97,500, Ingram is 40% lower than the Rusk County median.
The typical home in Ingram was built around 1963. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 37% of homes were built before 1960, about 7 points above Rusk County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ingram is 80% single-family homes and 20% mobile or manufactured homes.
In Ingram, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ingram has an owner-occupancy rate of 95% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
65% of homes in Ingram are primarily heated with propane. 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.
What's the biggest home insurance risk near Ingram? 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 | $97,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)