Home Insurance in Paddock Lake, Wisconsin
The median home value in Paddock Lake is $255,700, close to the Kenosha County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Paddock Lake was built around 1972. About 40% of homes were built before 1960, about 6 points above Kenosha County's 34%.
The housing stock in Paddock Lake is 96% single-family homes and 3% apartments in buildings with 5+ units.
In Paddock Lake, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Paddock Lake has an owner-occupancy rate of 83% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Paddock Lake, 85% of homes are primarily heated with natural gas.
Kenosha County had 214 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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 | $255,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)