Home Insurance in Algoma, Wisconsin
With a median home value of $153,300, Algoma is 31% lower than the Kewaunee 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 Algoma was built around 1957. About 54% of homes were built before 1960, about 13 points above Kewaunee County's 41%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Algoma is 75% single-family homes, 10% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 52% of owner-occupied homes in Algoma have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Algoma are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Algoma, 84% of homes are primarily heated with natural gas.
Kewaunee County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Kewaunee County had 37 active NFIP flood policies as of September 2026. See the full Kewaunee 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 | $153,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Kewaunee County | 37 |
| 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)