Home Insurance in Eagle River, Wisconsin
With a median home value of $213,900, Eagle River is 29% lower than the Vilas County median.
The typical home in Eagle River was built around 1982. About 21% of homes were built before 1960, in line with Vilas County (21%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Eagle River breaks down to 63% single-family homes, 24% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
55% of owner-occupied homes in Eagle River carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Eagle River has an owner-occupancy rate of 49% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
64% of homes in Eagle River are primarily heated with natural gas.
FEMA rates Vilas County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). Vilas County had 19 active NFIP flood policies as of September 2026. See the full Vilas 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 | $213,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Vilas County | 19 |
| 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)