Home Insurance in White Lake, Wisconsin
Homes in White Lake carry a median value of $150,000 - 5% lower than the Langlade County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in White Lake was built around 1983. About 36% of homes were built before 1960, about 2 points below Langlade County's 39%.
In White Lake, the housing stock is 69% single-family homes, 15% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in White Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
White Lake has an owner-occupancy rate of 70% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
In White Lake, 88% of homes are primarily heated with natural gas.
Langlade County's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. Langlade County had 41 active NFIP flood policies as of September 2026. See the full Langlade 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 | $150,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Langlade County | 41 |
| 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)