Home Insurance in Ripon, Wisconsin
Homes in Ripon carry a median value of $174,900 - 21% lower than the Fond du Lac County median.
The typical home in Ripon was built around 1966. About 40% of homes were built before 1960, in line with Fond du Lac County (39%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Ripon, the housing stock is 67% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
62% of owner-occupied homes in Ripon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Ripon are owner-occupied.
Most homes in Ripon - 72% - 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.
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 | $174,900 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)