InsureWatch

54636

Elevated47

Holmen, Wisconsin — La Crosse County

Pop. 16,541Median Income $90,774Median Home $275,100
0/ 100Elevated Risk

2025 Estimated Premium

$1,532/yr

+18.7% from 2022 actual ($1,290)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$1,290

+2.0%

2018–2025

Nonrenewal Rate

1.00%

2018–2022

Claim Frequency

12.1%

Avg Claim Amount

$14,972

Score Breakdown

Premium Level (25%)30
Premium Trend (20%)60
Nonrenewal Risk (20%)55
Storm Exposure (15%)81
Affordability (10%)15
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201819 events
Property damage$1,034,000
1 hail9 flood
19
201919 events
Property damage$127,000
1 hail7 flood
20
202024 events
Property damage$47,701,200
10 hail2 flood
21
202131 events
Property damage$276,000
12 hail5 flood
22
202226 events
Property damage$506,000
1 tornado12 hail4 flood
23
202326 events
Property damage$610,000
16 hail2 flood
24
202417 events
Property damage$900,000
3 hail3 flood
25
20256 events
Property damage$0
2 tornado1 flood

Nearby ZIP Codes

54650Onalaska, WI
44Elevated
54644Mindoro, WI
41Elevated
54669West Salem, WI
44Elevated
54603La Crosse, WI
46Elevated
54630Galesville, WI
47Elevated

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.