Home Insurance in Nekoosa, Wisconsin
With a median home value of $116,900, Nekoosa is 33% lower than the Wood County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Nekoosa was built around 1963. About 47% of homes were built before 1960, about 13 points above Wood County's 35%.
In Nekoosa, the housing stock is 78% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Nekoosa, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Nekoosa has an owner-occupancy rate of 64% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
84% of homes in Nekoosa are primarily heated with natural gas.
What's the biggest home insurance risk near Nekoosa? FEMA's National Risk Index points to hail (Relatively Moderate) in Wood County and 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 | $116,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)