Home Insurance in Berlin, Wisconsin
With a median home value of $160,300, Berlin is 26% lower than the Green Lake County median.
The typical home in Berlin was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 40% of homes were built before 1960, about 3 points above Green Lake County's 38%.
In Berlin, the housing stock is 64% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 54% of owner-occupied homes in Berlin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Berlin has an owner-occupancy rate of 57% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Berlin - 68% - are primarily heated with natural gas.
FEMA rates Green Lake County's overall risk as Relatively Low, led by hail (Relatively Moderate). Green Lake County had 48 active NFIP flood policies as of September 2026. See the full Green Lake 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 | $160,300 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Green Lake County | 48 |
| 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)