Home Insurance in Star Prairie, Wisconsin
Homes in Star Prairie carry a median value of $283,500 - 25% lower than the St. Croix County median.
The typical home in Star Prairie was built around 1977. About 28% of homes were built before 1960, about 10 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.
The housing stock in Star Prairie is 87% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Star Prairie, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Star Prairie has an owner-occupancy rate of 82% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Star Prairie - 62% - 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.
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.
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 | $283,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)