Home Insurance in Pleasant Prairie, Wisconsin
With a median home value of $360,400, Pleasant Prairie is 36% higher than the Kenosha County median.
The typical home in Pleasant Prairie was built around 1996. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 18% of homes were built before 1960, about 16 points below Kenosha County's 34%.
The housing stock in Pleasant Prairie is 72% single-family homes, 22% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pleasant Prairie, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Pleasant Prairie are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Pleasant Prairie, 76% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Pleasant Prairie? FEMA's National Risk Index points to tornado (Relatively High) in Kenosha County and 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.
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 | $360,400 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)