Home Insurance in Coon Valley, Wisconsin
Homes in Coon Valley carry a median value of $197,300 - 12% lower than the Vernon County median.
The typical home in Coon Valley was built around 1975. About 36% of homes were built before 1960, about 2 points below Vernon County's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Coon Valley, the housing stock is 78% single-family homes, 4% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Coon Valley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Coon Valley has an owner-occupancy rate of 80% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Coon Valley - 79% - are primarily heated with natural gas.
FEMA rates Vernon County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
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 | $197,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)