Home Insurance in Stetsonville, Wisconsin
With a median home value of $182,500, Stetsonville is 7% lower than the Taylor County median.
The typical home in Stetsonville was built around 1974. About 25% of homes were built before 1960, about 6 points below Taylor County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Stetsonville is 82% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 43% of owner-occupied homes in Stetsonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Stetsonville are owner-occupied.
Most homes in Stetsonville - 78% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Taylor County had 13 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). 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 | $182,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)