Home Insurance in Tony, Wisconsin
The median home value in Tony is $85,000, 48% lower than the Rusk County median.
The median home in Tony was built in 1939 or earlier. About 61% of homes were built before 1960, about 31 points above Rusk County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Tony breaks down to 77% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
40% of owner-occupied homes in Tony carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 77% of occupied homes in Tony are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Tony, 84% of homes are primarily heated with propane.
What's the biggest home insurance risk near Tony? 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.
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 | $85,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)