Home Insurance in Whitehall, Wisconsin
Homes in Whitehall carry a median value of $152,100 - 30% lower than the Trempealeau County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Whitehall was built around 1974. About 30% of homes were built before 1960, about 3 points below Trempealeau County's 33%.
In Whitehall, the housing stock is 62% single-family homes, 27% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Whitehall, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Whitehall are owner-occupied.
In Whitehall, 61% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Whitehall? FEMA's National Risk Index points to hail (Relatively Moderate) in Trempealeau County and 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 | $152,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)