Home Insurance in Pittsville, Wisconsin
Homes in Pittsville carry a median value of $125,000 - 29% 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 Pittsville was built around 1973. About 34% of homes were built before 1960, in line with Wood County (35%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pittsville is 76% single-family homes, 13% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 57% of owner-occupied homes in Pittsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pittsville has an owner-occupancy rate of 66% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pittsville, 57% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Pittsville? 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.
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 | $125,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)