Home Insurance in Neosho, Wisconsin
Homes in Neosho carry a median value of $241,900 - close to the Dodge County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Neosho was built around 1970. About 41% of homes were built before 1960, in line with Dodge County (42%).
In Neosho, the housing stock is 82% single-family homes and 1% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Neosho, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Neosho are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Neosho, 68% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Neosho? FEMA's National Risk Index points to hail (Relatively Moderate) in Dodge County and Dodge County had 116 active NFIP flood policies as of September 2026. See the full Dodge 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 | $241,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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)