Home Insurance in Stockbridge, Wisconsin
With a median home value of $372,700, Stockbridge is 36% higher than the Calumet County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Stockbridge was built around 1978. About 32% of homes were built before 1960, about 10 points above Calumet County's 22%.
In Stockbridge, the housing stock is 89% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 70% of owner-occupied homes in Stockbridge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Stockbridge are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Stockbridge - 89% - 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 | $372,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)