Home Insurance in Cadott, Wisconsin
With a median home value of $172,900, Cadott is 33% lower than the Chippewa County median.
The typical home in Cadott was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 5 points above Chippewa County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cadott is 69% single-family homes, 14% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 50% of owner-occupied homes in Cadott have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cadott has an owner-occupancy rate of 67% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Cadott - 66% - are primarily heated with natural gas.
Chippewa County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Chippewa County had 92 active NFIP flood policies as of September 2026. See the full Chippewa 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 | $172,900 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Chippewa County | 92 |
| 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)