Home Insurance in Genoa, Wisconsin
The median home value in Genoa is $203,100, 9% lower than the Vernon County median.
The typical home in Genoa was built around 1953. About 57% of homes were built before 1960, about 19 points above Vernon County's 38%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Genoa breaks down to 90% single-family homes.
In Genoa, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Genoa are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 81% of homes in Genoa are primarily heated with propane.
What's the biggest home insurance risk near Genoa? 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 | $203,100 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)