Home Insurance in Washburn County, Wisconsin
With a median home value of $226,100, Washburn County is 15% lower than the Wisconsin median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Washburn County was built around 1982. About 23% of homes were built before 1960, about 11 points below Wisconsin's 33%.
The housing stock in Washburn County is 88% single-family homes, 2% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Washburn County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Washburn County has an owner-occupancy rate of 82% and a vacancy rate of 41%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Washburn County are primarily heated with propane.
FEMA's National Risk Index lists hail (Relatively Low), wildfire (Very Low) and tornado (Relatively Low) as the leading hazards for Washburn County.
Washburn County had 44 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $226,100 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Wildfire (Very Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 44 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)