Home Insurance in St. Cloud, Wisconsin
The median home value in St. Cloud is $194,600, 13% lower than the Fond du Lac County median.
The typical home in St. Cloud was built around 1953. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 62% of homes were built before 1960, about 23 points above Fond du Lac County's 39%.
In St. Cloud, the housing stock is 81% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 54% of owner-occupied homes in St. Cloud have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Cloud has an owner-occupancy rate of 85% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in St. Cloud - 76% - 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 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.
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 | $194,600 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)