Home Insurance in Biron, Wisconsin
Homes in Biron carry a median value of $154,400 - 12% lower than the Wood County median.
The typical home in Biron was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, in line with Wood County (35%).
In Biron, the housing stock is 95% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Biron, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Biron are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Biron - 84% - are primarily heated with natural gas.
FEMA rates Wood County's overall risk as Relatively Low, led by hail (Relatively Moderate). Wood County had 115 active NFIP flood policies as of September 2026. See the full Wood County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $154,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Wood County | 115 |
| 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)