Home Insurance in Marshfield, Wisconsin
Homes in Marshfield carry a median value of $177,800 - close to the Wood County median.
The typical home in Marshfield was built around 1973. About 33% of homes were built before 1960, about 2 points below Wood County's 35%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Marshfield, the housing stock is 58% single-family homes, 24% 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.
About 50% of owner-occupied homes in Marshfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in Marshfield are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in Marshfield are primarily heated with natural gas.
Wood County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $177,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)