Home Insurance in Kenosha County, Wisconsin
Homes in Kenosha County carry a median value of $265,500 - close to the Wisconsin median.
The typical home in Kenosha County was built around 1975. About 34% of homes were built before 1960, in line with Wisconsin (33%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Kenosha County breaks down to 69% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
65% of owner-occupied homes in Kenosha County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Kenosha County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Kenosha County - 75% - are primarily heated with natural gas.
FEMA's National Risk Index lists tornado (Relatively High), strong wind (Relatively High) and hail (Relatively Moderate) as the leading hazards for Kenosha County.
As of September 2026, Kenosha County has 214 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $265,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 214 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)