Home Insurance in Egg Harbor, Wisconsin
Homes in Egg Harbor carry a median value of $441,700 - 29% higher than the Door 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 Egg Harbor was built around 1987. About 11% of homes were built before 1960, about 15 points below Door County's 26%.
Housing in Egg Harbor breaks down to 58% single-family homes and 25% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Egg Harbor, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Egg Harbor has an owner-occupancy rate of 83% and a vacancy rate of 75%; unoccupied homes typically need a different coverage form.
Most homes in Egg Harbor - 67% - 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.
FEMA rates Door County's overall risk as Relatively Low, led by hail (Relatively Low). Door County had 172 active NFIP flood policies as of September 2026. See the full Door 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 | $441,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Door County | 172 |
| 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)