Home Insurance in Ettrick, Wisconsin
Homes in Ettrick carry a median value of $165,000 - 24% lower than the Trempealeau County median.
The typical home in Ettrick was built around 1964. About 47% of homes were built before 1960, about 14 points above Trempealeau County's 33%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ettrick is 71% single-family homes, 17% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
61% of owner-occupied homes in Ettrick carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Ettrick are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Ettrick are primarily heated with natural gas.
FEMA rates Trempealeau County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $165,000 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)