Home Insurance in Deer Park, Wisconsin
Homes in Deer Park carry a median value of $184,100 - 51% lower than the St. Croix County median.
The typical home in Deer Park was built around 1959. About 51% of homes were built before 1960, about 33 points above St. Croix County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Deer Park breaks down to 68% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
57% of owner-occupied homes in Deer Park carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Deer Park are owner-occupied.
Most homes in Deer Park - 69% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
St. Croix County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. St. Croix County had 112 active NFIP flood policies as of September 2026. See the full St. Croix 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 | $184,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in St. Croix County | 112 |
| 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)