Home Insurance in Spooner, Wisconsin
With a median home value of $165,500, Spooner is 27% lower than the Washburn County median.
The typical home in Spooner was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, about 22 points above Washburn County's 23%.
The housing stock in Spooner is 71% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Spooner carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Spooner has an owner-occupancy rate of 57% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Spooner - 71% - are primarily heated with natural gas.
Washburn County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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.
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 | $165,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)