Home Insurance in Vernon County, Wisconsin
With a median home value of $223,800, Vernon County is 16% lower than the Wisconsin median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Vernon County was built around 1974. About 38% of homes were built before 1960, about 5 points above Wisconsin's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Vernon County is 81% single-family homes, 5% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 53% of owner-occupied homes in Vernon County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Vernon County has an owner-occupancy rate of 80% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
34% of homes in Vernon County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Vernon County's top hazards are hail (Relatively Moderate), strong wind (Relatively Moderate) and inland flooding (Relatively Low).
Vernon County had 56 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $223,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 56 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Chaseburg
- Coon Valley
- De Soto
- Genoa
- Hillsboro
- La Farge
- Ontario
- Readstown
- Stoddard
- Viola
- Viroqua
- Westby
Sources
- 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)