Home Insurance in Howard, Wisconsin
With a median home value of $315,700, Howard is 19% higher than the Brown County median.
The typical home in Howard was built around 1995. About 6% of homes were built before 1960, about 17 points below Brown County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Howard is 67% single-family homes and 28% apartments in buildings with 5+ units.
65% of owner-occupied homes in Howard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Howard are owner-occupied.
75% of homes in Howard are primarily heated with natural gas.
Brown County had 581 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Brown County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $315,700 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Brown County | 581 |
| 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)