Home Insurance in Woodville, Wisconsin
With a median home value of $220,300, Woodville is 42% lower than the St. Croix County median.
The typical home in Woodville was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 19% of homes were built before 1960, about 2 points above St. Croix County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Woodville is 54% single-family homes, 23% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Woodville, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Woodville has an owner-occupancy rate of 62% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Woodville, 60% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Woodville? FEMA's National Risk Index points to strong wind (Relatively High) in St. Croix County and 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 | $220,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)