Home Insurance in Blair, Wisconsin
With a median home value of $141,500, Blair is 35% lower than the Trempealeau County median.
The typical home in Blair was built around 1968. About 41% of homes were built before 1960, about 9 points above Trempealeau County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Blair, the housing stock is 69% single-family homes, 15% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Blair carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Blair are owner-occupied.
Most homes in Blair - 73% - are primarily heated with natural gas.
What's the biggest home insurance risk near Blair? FEMA's National Risk Index points to hail (Relatively Moderate) in Trempealeau County and Trempealeau County had 83 active NFIP flood policies as of September 2026. See the full Trempealeau 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 | $141,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Trempealeau County | 83 |
| 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)