Home Insurance in Kenosha, Wisconsin
Homes in Kenosha carry a median value of $225,200 - 15% lower than the Kenosha County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kenosha was built around 1970. About 40% of homes were built before 1960, about 6 points above Kenosha County's 34%.
In Kenosha, the housing stock is 62% single-family homes, 23% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Kenosha carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 59% of occupied homes in Kenosha are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Kenosha, 73% of homes are primarily heated with natural gas.
Kenosha County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Kenosha County had 214 active NFIP flood policies as of September 2026. See the full Kenosha 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 | $225,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Kenosha County | 214 |
| 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)