Home Insurance in Gilman, Wisconsin
The median home value in Gilman is $122,700, 38% lower than the Taylor County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Gilman was built around 1972. About 25% of homes were built before 1960, about 6 points below Taylor County's 31%.
In Gilman, the housing stock is 78% single-family homes, 9% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Gilman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gilman has an owner-occupancy rate of 77% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Gilman, 54% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Taylor County's overall risk as Very Low, led by hail (Relatively Low). Taylor County had 13 active NFIP flood policies as of September 2026. See the full Taylor 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 | $122,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Taylor County | 13 |
| 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)