Homeowners Insurance in Eau Claire, WI
For a home at Eau Claire's median value of $247,600, we estimate about $810 a year — −12% versus the Wisconsin NAIC average of $923.
Estimated homeowners insurance cost in Eau Claire
Eau Claire's estimate reflects its home values (7% lower than the state median) and FEMA's hazard profile for Eau Claire County.
Natural hazard risk in Eau Claire
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 89.3 | Comprehensive (car); roof claims (home) | |
| Tornado | 80.6 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 79.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 88.9 | Comprehensive; dwelling | |
| Winter weather | 71.9 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 30.1 | Comprehensive; dwelling | |
| Earthquake | 9.8 | Home needs a separate earthquake policy | |
| Lightning | 71.0 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in Eau Claire
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $680 | $630 |
| $300,000 | $945 | $870 |
| $500,000 | $1,420 | $1,305 |
| $750,000 | $1,965 | $1,805 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Eau Claire
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 54703 | $243,700 | 61.6% | $800 |
| 54701 | $289,900 | 57.4% | $920 |
Homeowners insurance in Wisconsin · Car insurance in Eau Claire · Insurance offices near Eau Claire
Frequently asked questions
How much is homeowners insurance in Eau Claire?
For a home at Eau Claire's median value of $247,600, we estimate about $810 a year for a standard HO-3 policy with a $1,000 deductible. The Wisconsin NAIC average is $923.
What are the biggest natural hazards in Eau Claire?
FEMA's National Risk Index rates Eau Claire County relatively high or very high for strong wind.
Does the age of homes in Eau Claire affect insurance?
Yes. The median home in Eau Claire was built in 1975 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for Wisconsin, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Eau Claire County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Eau Claire County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)