Home Insurance in Manitowoc County, Wisconsin
Homes in Manitowoc County carry a median value of $186,900 - 30% lower than the Wisconsin median.
The typical home in Manitowoc County was built around 1964. About 46% of homes were built before 1960, about 13 points above Wisconsin's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Manitowoc County is 76% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Manitowoc County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Manitowoc County has an owner-occupancy rate of 77% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Manitowoc County, 74% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Manitowoc County's top hazards are hail (Relatively High), tornado (Relatively Moderate) and inland flooding (Relatively Low).
As of September 2026, Manitowoc County has 67 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $186,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 67 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Towns and cities
- Cleveland
- Francis Creek
- Kellnersville
- Kiel
- Manitowoc
- Maribel
- Mishicot
- Reedsville
- St. Nazianz
- Two Rivers
- Valders
- Whitelaw
Sources
- 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)