Home Insurance in Door County, Wisconsin
The median home value in Door County is $342,600, 29% higher than the Wisconsin median.
The typical home in Door County was built around 1983. About 26% of homes were built before 1960, about 7 points below Wisconsin's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Door County, the housing stock is 77% single-family homes, 11% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Door County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Door County are owner-occupied. The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Door County, 41% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Door County, per FEMA's National Risk Index, are hail (Relatively Low), inland flooding (Relatively Low) and tornado (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Door County has 172 active NFIP flood policies on file.
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 | $342,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Inland Flooding (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 172 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)