Home Insurance in North Fond du Lac, Wisconsin
Homes in North Fond du Lac carry a median value of $155,100 - 30% lower than the Fond du Lac County median.
The typical home in North Fond du Lac was built around 1978. About 31% of homes were built before 1960, about 8 points below Fond du Lac County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in North Fond du Lac is 45% single-family homes, 30% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 50% of owner-occupied homes in North Fond du Lac have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 56% of occupied homes in North Fond du Lac are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In North Fond du Lac, 73% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near North Fond du Lac? 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.
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 | $155,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)