Home Insurance in Pigeon Falls, Wisconsin
With a median home value of $181,900, Pigeon Falls is 16% lower than the Trempealeau County median.
The typical home in Pigeon Falls was built around 1970. About 43% of homes were built before 1960, about 11 points above Trempealeau County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Pigeon Falls is 70% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Pigeon Falls, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pigeon Falls has an owner-occupancy rate of 65% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Pigeon Falls, 85% of homes are primarily heated with natural gas.
Trempealeau County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $181,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)