Home Insurance in Potter, Wisconsin
With a median home value of $177,100, Potter is 35% lower than the Calumet County median.
The typical home in Potter was built around 1956. About 52% of homes were built before 1960, about 30 points above Calumet County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Potter, the housing stock is 84% single-family homes and 6% apartments in buildings with 5+ units.
About 61% of owner-occupied homes in Potter have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Potter are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 78% of homes in Potter are primarily heated with natural gas.
Calumet County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $177,100 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)