Home Insurance in Birchwood, Wisconsin
The median home value in Birchwood is $141,900, 37% lower than the Washburn County median.
The typical home in Birchwood was built around 1970. About 32% of homes were built before 1960, about 9 points above Washburn County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Birchwood is 81% single-family homes, 10% 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 68% of owner-occupied homes in Birchwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Birchwood has an owner-occupancy rate of 61% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Birchwood - 71% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Birchwood? FEMA's National Risk Index points to hail (Relatively Low) in Washburn County and Washburn County had 44 active NFIP flood policies as of September 2026. See the full Washburn 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 | $141,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Washburn County | 44 |
| 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)