HomeInsuranceQts

Home Insurance in Chilton, Wisconsin

With a median home value of $161,900, Chilton is 41% lower than the Calumet County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Chilton was built around 1968. About 34% of homes were built before 1960, about 12 points above Calumet County's 22%.

The housing stock in Chilton is 67% single-family homes and 24% apartments in buildings with 5+ units.

56% of owner-occupied homes in Chilton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

About 65% of occupied homes in Chilton are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

80% of homes in Chilton are primarily heated with natural gas.

FEMA rates Calumet County's overall risk as Very Low, led by hail (Relatively Moderate). Calumet County had 55 active NFIP flood policies as of September 2026. See the full Calumet 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$161,900
Median year built1968
Owner-occupied share65%
Share of owner-occupied homes with a mortgage56%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Calumet County55
Home insurance premium$923 - statewide average (NAIC, 2023 data)
Key home insurance figures for Chilton, WI

Nearby towns

Sources

Data last updated: 2026-09-29