Home Insurance in Viola, Wisconsin
The median home value in Viola is $103,900, 54% lower than the Vernon County median.
The typical home in Viola was built around 1950. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 63% of homes were built before 1960, about 25 points above Vernon County's 38%.
The housing stock in Viola is 80% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Viola, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Viola are owner-occupied.
In Viola, 87% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Vernon County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $103,900 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)