Home Insurance in De Soto, Wisconsin
Homes in De Soto carry a median value of $120,400 - 46% lower than the Vernon County median.
The typical home in De Soto was built around 1976. About 29% of homes were built before 1960, about 9 points below Vernon County's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in De Soto is 46% single-family homes, 4% apartments in buildings with 5+ units and 46% mobile or manufactured homes.
In De Soto, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
De Soto has an owner-occupancy rate of 89% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in De Soto - 60% - are primarily heated with propane. Homes heated with propane 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 De Soto? 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.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $120,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)