Home Insurance in Salem Lakes, Wisconsin
With a median home value of $316,100, Salem Lakes is 19% higher than the Kenosha County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Salem Lakes was built around 1987. About 29% of homes were built before 1960, about 5 points below Kenosha County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Salem Lakes is 85% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
62% of owner-occupied homes in Salem Lakes carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Salem Lakes are owner-occupied.
In Salem Lakes, 86% of homes are primarily heated with natural gas.
FEMA rates Kenosha County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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 | $316,100 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)