Home Insurance in Kellnersville, Wisconsin
The median home value in Kellnersville is $150,500, 19% lower than the Manitowoc County median.
The typical home in Kellnersville was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 52% of homes were built before 1960, about 6 points above Manitowoc County's 46%.
The housing stock in Kellnersville is 63% single-family homes, 10% apartments in buildings with 5+ units and 13% 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.
In Kellnersville, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kellnersville has an owner-occupancy rate of 70% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Kellnersville - 83% - are primarily heated with natural gas.
Manitowoc County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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 | $150,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)