Home Insurance in Eden, Wisconsin
With a median home value of $163,100, Eden is 27% lower than the Fond du Lac County median.
The typical home in Eden was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 30% of homes were built before 1960, about 8 points below Fond du Lac County's 39%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Eden is 54% single-family homes, 2% apartments in buildings with 5+ units and 31% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Eden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Eden are owner-occupied.
83% of homes in Eden are primarily heated with natural gas.
What's the biggest home insurance risk near Eden? FEMA's National Risk Index points to hail (Relatively Moderate) in Fond du Lac County and 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.
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 | $163,100 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)