Home Insurance in Hilbert, Wisconsin
The median home value in Hilbert is $167,300, 39% lower than the Calumet County median.
The typical home in Hilbert was built around 1975. About 34% of homes were built before 1960, about 12 points above Calumet 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 Hilbert is 70% single-family homes, 4% apartments in buildings with 5+ units and 12% 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.
In Hilbert, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hilbert has an owner-occupancy rate of 73% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Hilbert - 89% - are primarily heated with natural gas.
Calumet County had 55 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Calumet County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $167,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Calumet County | 55 |
| 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)