Home Insurance in Eland, Wisconsin
The median home value in Eland is $145,800, 25% lower than the Shawano County median.
The typical home in Eland was built around 1960. About 50% of homes were built before 1960, about 16 points above Shawano County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Eland is 74% single-family homes and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
43% of owner-occupied homes in Eland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Eland has an owner-occupancy rate of 97% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Most homes in Eland - 51% - are primarily heated with natural gas. Homes heated with propane 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 Eland? FEMA's National Risk Index points to hail (Relatively Moderate) in Shawano County and Shawano County had 43 active NFIP flood policies as of September 2026. See the full Shawano 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 | $145,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Shawano County | 43 |
| 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)