Home Insurance in Strum, Wisconsin
With a median home value of $200,000, Strum is 8% lower than the Trempealeau County median.
The typical home in Strum was built around 1972. About 27% of homes were built before 1960, about 5 points below Trempealeau County's 33%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Strum, the housing stock is 86% single-family homes and 8% apartments in buildings with 5+ units.
About 65% of owner-occupied homes in Strum have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Strum are owner-occupied.
In Strum, 76% 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 | $200,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)