Home Insurance in Eleva, Wisconsin
Homes in Eleva carry a median value of $175,400 - 19% lower than the Trempealeau County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Eleva was built around 1964. About 45% of homes were built before 1960, about 13 points above Trempealeau County's 33%.
The housing stock in Eleva is 69% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Eleva have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Eleva has an owner-occupancy rate of 62% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
76% of homes in Eleva are primarily heated with natural gas.
Trempealeau County had 83 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Trempealeau 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 | $175,400 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)