Home Insurance in Oakfield, Wisconsin
The median home value in Oakfield is $240,700, 8% higher than the Fond du Lac County median.
The typical home in Oakfield was built around 1963. About 49% of homes were built before 1960, about 10 points above Fond du Lac County's 39%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Oakfield is 84% single-family homes and 10% apartments in buildings with 5+ units.
About 55% of owner-occupied homes in Oakfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oakfield has an owner-occupancy rate of 81% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
66% of homes in Oakfield are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Fond du Lac County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $240,700 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)