Home Insurance in Hammond, Wisconsin
With a median home value of $262,200, Hammond is 31% lower than the St. Croix County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hammond was built around 1985. About 20% of homes were built before 1960, about 3 points above St. Croix County's 17%.
In Hammond, the housing stock is 73% single-family homes, 7% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
73% of owner-occupied homes in Hammond carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hammond has an owner-occupancy rate of 68% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
81% of homes in Hammond are primarily heated with natural gas.
St. Croix County had 112 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). 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 | $262,200 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)