Home Insurance in Fairwater, Wisconsin
Homes in Fairwater carry a median value of $145,800 - 35% lower than the Fond du Lac County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fairwater was built around 1954. About 53% of homes were built before 1960, about 14 points above 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 Fairwater is 83% single-family homes and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
63% of owner-occupied homes in Fairwater carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fairwater has an owner-occupancy rate of 81% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Fairwater - 82% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Fond du Lac County had 451 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Fond du Lac County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $145,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)