Home Insurance in Sherwood, Wisconsin
With a median home value of $351,200, Sherwood is 28% higher than the Calumet County median.
The typical home in Sherwood was built around 2001. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 15 points below Calumet County's 22%.
The housing stock in Sherwood is 97% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
64% of owner-occupied homes in Sherwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sherwood has an owner-occupancy rate of 97% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Sherwood, 91% of homes 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 | $351,200 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)