Home Insurance in Friendship, Wisconsin
Homes in Friendship carry a median value of $115,100 - 43% lower than the Adams County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Friendship was built around 1967. About 39% of homes were built before 1960, about 25 points above Adams County's 14%.
The housing stock in Friendship is 69% single-family homes, 8% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Friendship carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Friendship are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in Friendship are primarily heated with natural gas.
FEMA rates Adams County's overall risk as Relatively Low, led by hail (Relatively Moderate). Adams County had 36 active NFIP flood policies as of September 2026. See the full Adams 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 | $115,100 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Adams County | 36 |
| 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)