Home Insurance in Luxemburg, Wisconsin
With a median home value of $261,700, Luxemburg is 18% higher than the Kewaunee County median.
The typical home in Luxemburg was built around 1991. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, about 17 points below Kewaunee County's 41%.
Housing in Luxemburg breaks down to 77% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
72% of owner-occupied homes in Luxemburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Luxemburg has an owner-occupancy rate of 75% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Luxemburg, 83% of homes are primarily heated with natural gas.
FEMA rates Kewaunee County's overall risk as Very Low, led by hail (Relatively Low). 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 | $261,700 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)