Home Insurance in St. Croix County, Wisconsin
The median home value in St. Croix County is $377,700, 42% higher than the Wisconsin median.
The typical home in St. Croix County was built around 1993. About 17% of homes were built before 1960, about 16 points below Wisconsin's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In St. Croix County, the housing stock is 82% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 70% of owner-occupied homes in St. Croix County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in St. Croix County are owner-occupied.
63% of homes in St. Croix County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for St. Croix County, per FEMA's National Risk Index, are strong wind (Relatively High), hail (Relatively Moderate) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, St. Croix County has 112 active NFIP flood policies on file.
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 | $377,700 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 112 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Baldwin
- Deer Park
- Glenwood City
- Hammond
- Hudson
- New Richmond
- North Hudson
- Roberts
- Somerset
- Star Prairie
- Wilson
- Woodville
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)