Home Insurance in Brandon, Wisconsin
The median home value in Brandon is $168,500, 24% lower than the Fond du Lac County median.
The median home in Brandon was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 68% of homes were built before 1960, about 29 points above Fond du Lac County's 39%.
Housing in Brandon breaks down to 78% single-family homes and 16% apartments in buildings with 5+ units.
About 71% of owner-occupied homes in Brandon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Brandon are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Brandon - 74% - are primarily heated with natural gas.
FEMA rates Fond du Lac County's overall risk as Relatively Low, led by hail (Relatively Moderate). Fond du Lac County had 451 active NFIP flood policies as of September 2026. See the full Fond du Lac County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $168,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Fond du Lac County | 451 |
| 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)