HomeInsuranceQts

Home Insurance in Independence, Wisconsin

Homes in Independence carry a median value of $166,000 - 23% lower than the Trempealeau County median.

The typical home in Independence was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 12 points above Trempealeau County's 33%.

Housing in Independence breaks down to 61% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.

37% of owner-occupied homes in Independence carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Independence has an owner-occupancy rate of 45% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.

Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Independence, 72% of homes 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.

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$166,000
Median year built1969
Owner-occupied share45%
Share of owner-occupied homes with a mortgage37%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Trempealeau County83
Home insurance premium$923 - statewide average (NAIC, 2023 data)
Key home insurance figures for Independence, WI

Nearby towns

Sources

Data last updated: 2026-09-29