Home Insurance in Galesville, Wisconsin
Homes in Galesville carry a median value of $232,000 - 7% higher than the Trempealeau County median.
The typical home in Galesville was built around 1975. About 37% of homes were built before 1960, about 5 points above Trempealeau County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Galesville breaks down to 56% single-family homes and 31% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 75% of owner-occupied homes in Galesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 52% of occupied homes in Galesville are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Galesville, 59% of homes 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 | $232,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)