Home Insurance in Adams County, Wisconsin
With a median home value of $200,800, Adams County is 25% lower than the Wisconsin median.
The typical home in Adams County was built around 1984. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, about 20 points below Wisconsin's 33%.
The housing stock in Adams County is 76% single-family homes, 4% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Adams County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Adams County has an owner-occupancy rate of 86% and a vacancy rate of 44%; unoccupied homes typically need a different coverage form.
Most homes in Adams County - 54% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Adams County, per FEMA's National Risk Index, are hail (Relatively Moderate), strong wind (Relatively Moderate) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Adams County has 36 active NFIP flood policies on file.
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 | $200,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 36 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)