Home Insurance in Westby, Wisconsin
With a median home value of $174,200, Westby is 22% lower than the Vernon County median.
The typical home in Westby was built around 1964. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 46% of homes were built before 1960, about 8 points above Vernon County's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Westby is 69% single-family homes, 10% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
In Westby, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Westby are owner-occupied.
In Westby, 82% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Westby? 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.
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 | $174,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)