Home Insurance in Cleveland, Wisconsin
The median home value in Cleveland is $202,500, 8% higher than the Manitowoc County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cleveland was built around 1975. About 31% of homes were built before 1960, about 16 points below Manitowoc County's 46%.
The housing stock in Cleveland is 77% single-family homes, 6% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Cleveland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cleveland has an owner-occupancy rate of 84% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Cleveland - 90% - are primarily heated with natural gas.
FEMA rates Manitowoc County's overall risk as Relatively Low, led by hail (Relatively High). Manitowoc County had 67 active NFIP flood policies as of September 2026. See the full Manitowoc County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $202,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Manitowoc County | 67 |
| 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)