Home Insurance in Brown County, Wisconsin
With a median home value of $266,000, Brown County is close to the Wisconsin median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Brown County was built around 1981. About 22% of homes were built before 1960, about 11 points below Wisconsin's 33%.
The housing stock in Brown County is 70% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 63% of owner-occupied homes in Brown County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 66% of occupied homes in Brown County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in Brown County are primarily heated with natural gas.
The top hazards for Brown County, per FEMA's National Risk Index, are hail (Relatively High), tornado (Relatively High) and inland flooding (Relatively Moderate).
Brown County had 581 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $266,000 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 581 |
| 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)