Home Insurance in La Farge, Wisconsin
The median home value in La Farge is $136,000, 39% lower than the Vernon County median.
The typical home in La Farge was built around 1963. About 46% of homes were built before 1960, about 8 points above Vernon County's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In La Farge, the housing stock is 82% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in La Farge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
La Farge has an owner-occupancy rate of 63% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in La Farge - 86% - are primarily heated with natural gas.
Vernon County had 56 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 | $136,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)