Home Insurance in Lublin, Wisconsin
Homes in Lublin carry a median value of $121,600 - 38% lower than the Taylor County median.
The typical home in Lublin was built around 1968. About 43% of homes were built before 1960, about 12 points above Taylor County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Lublin, the housing stock is 78% single-family homes, 3% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Lublin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Lublin are owner-occupied.
77% of homes in Lublin are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Lublin? FEMA's National Risk Index points to hail (Relatively Low) in Taylor County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $121,600 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)