Home Insurance in Radisson, Wisconsin
Homes in Radisson carry a median value of $80,700 - 66% lower than the Sawyer County median.
The typical home in Radisson was built around 1977. About 19% of homes were built before 1960, about 5 points below Sawyer County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Radisson, the housing stock is 75% single-family homes, 3% apartments in buildings with 5+ units and 16% 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 Radisson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Radisson are owner-occupied.
Most homes in Radisson - 67% - 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.
FEMA rates Sawyer County's overall risk as Relatively Low, led by winter weather (Relatively Moderate). Sawyer County had 54 active NFIP flood policies as of September 2026. See the full Sawyer County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $80,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)