I have had a mooring in Ephraim WI since 1962. Actually my parents placed the mooring then - I took it over in 1994. The local town administers the program - there are about 3 dozen private mooring in the harbor. You own the gear
and you must maintain it. There is a local person who you can contract
with the do this.
In Wisconsin, each town that has a harbor administers the program with the approval of the state Dept of Natural Resources.
You may set a mooring in front of your property as well. There are minimal regulations
However, placing a mooring in waters off public property (that is not part of the aforementioned mooring field) is not permitted. I have known folks who have done this and incurred significant penalties.