Home Insurance in Exeland, Wisconsin
Homes in Exeland carry a median value of $110,400 - 53% lower than the Sawyer County median.
The typical home in Exeland was built around 1992. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, in line with Sawyer County (23%).
The housing stock in Exeland is 60% single-family homes, 32% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Exeland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Exeland has an owner-occupancy rate of 55% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Exeland - 82% - are primarily heated with propane.
Sawyer County had 54 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Sawyer County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $110,400 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Sawyer County | 54 |
| 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)