Home Insurance in Lowell, Wisconsin
The median home value in Lowell is $182,800, 21% lower than the Dodge County median.
The typical home in Lowell was built around 1948. About 58% of homes were built before 1960, about 16 points above Dodge County's 42%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lowell, the housing stock is 80% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 71% of owner-occupied homes in Lowell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 65% of occupied homes in Lowell are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lowell, 64% of homes are primarily heated with natural gas.
Dodge County had 116 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Dodge County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $182,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Dodge County | 116 |
| 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)