Home Insurance in Wood County, Wisconsin
With a median home value of $175,600, Wood County is 34% lower than the Wisconsin median.
The typical home in Wood County was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 1 point above Wisconsin's 33%.
In Wood County, the housing stock is 77% single-family homes, 12% 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.
54% of owner-occupied homes in Wood County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Wood County are owner-occupied.
63% of homes in Wood County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Wood County's top hazards are hail (Relatively Moderate), tornado (Relatively Moderate) and inland flooding (Relatively Moderate).
Wood County had 115 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 | $175,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 115 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Arpin
- Auburndale
- Biron
- Hewitt
- Marshfield
- Milladore
- Nekoosa
- Pittsville
- Port Edwards
- Rudolph
- Vesper
- Wisconsin Rapids
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)