Home Insurance in Sawyer County, Wisconsin
The median home value in Sawyer County is $236,200, 11% lower than the Wisconsin median.
The typical home in Sawyer County was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 23% of homes were built before 1960, about 10 points below Wisconsin's 33%.
In Sawyer County, the housing stock is 88% single-family homes, 3% 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.
52% of owner-occupied homes in Sawyer County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 46%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Sawyer County are owner-occupied.
Most homes in Sawyer County - 57% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Sawyer County, per FEMA's National Risk Index, are winter weather (Relatively Moderate), strong wind (Relatively Moderate) and inland flooding (Relatively Low).
As of September 2026, Sawyer County has 54 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $236,200 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 54 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)