Home Insurance in Minong, Wisconsin
With a median home value of $133,600, Minong is 41% lower than the Washburn County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Minong was built around 1977. About 25% of homes were built before 1960, about 3 points above Washburn County's 23%.
The housing stock in Minong is 77% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
71% of owner-occupied homes in Minong carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Minong has an owner-occupancy rate of 55% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
69% of homes in Minong are primarily heated with natural gas. Homes heated with propane and wood 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 Minong? 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 | $133,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)