Home Insurance in Chaseburg, Wisconsin
With a median home value of $180,000, Chaseburg is 20% lower than the Vernon County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Chaseburg was built around 1971. About 40% of homes were built before 1960, about 2 points above Vernon County's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chaseburg is 65% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
59% of owner-occupied homes in Chaseburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Chaseburg has an owner-occupancy rate of 69% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Chaseburg - 51% - are primarily heated with propane. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Chaseburg? FEMA's National Risk Index points to hail (Relatively Moderate) in Vernon County and Vernon County had 56 active NFIP flood policies as of September 2026. See the full Vernon 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 | $180,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Vernon County | 56 |
| 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)