Home Insurance in Fond du Lac County, Wisconsin
Homes in Fond du Lac County carry a median value of $222,800 - 16% lower than the Wisconsin median.
The typical home in Fond du Lac County was built around 1971. About 39% of homes were built before 1960, about 6 points above Wisconsin's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Fond du Lac County is 72% single-family homes, 17% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fond du Lac County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fond du Lac County has an owner-occupancy rate of 71% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Fond du Lac County, 66% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively Moderate), tornado (Relatively Moderate) and strong wind (Relatively High) as the leading hazards for Fond du Lac County.
As of September 2026, Fond du Lac County has 451 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $222,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 451 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Brandon
- Campbellsport
- Eden
- Fairwater
- Fond du Lac
- Mount Calvary
- North Fond du Lac
- Oakfield
- Ripon
- Rosendale
- St. Cloud
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)