Home Insurance in Sister Bay, Wisconsin
The median home value in Sister Bay is $392,200, 14% higher than the Door County median.
The typical home in Sister Bay was built around 1993. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 9% of homes were built before 1960, about 17 points below Door County's 26%.
Housing in Sister Bay breaks down to 44% single-family homes and 39% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Sister Bay, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sister Bay has an owner-occupancy rate of 50% and a vacancy rate of 59%; unoccupied homes typically need a different coverage form.
In Sister Bay, 46% 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.
Door County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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 | $392,200 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)