HomeInsuranceQts

Home Insurance in Manitowoc, Wisconsin

With a median home value of $160,700, Manitowoc is 14% lower 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 Manitowoc was built around 1959. About 51% of homes were built before 1960, about 5 points above Manitowoc County's 46%.

In Manitowoc, the housing stock is 66% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.

About 58% of owner-occupied homes in Manitowoc have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Manitowoc are owner-occupied.

In Manitowoc, 85% of homes are primarily heated with natural gas.

Manitowoc County had 67 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). 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$160,700
Median year built1959
Owner-occupied share68%
Share of owner-occupied homes with a mortgage58%
Top county hazardHail (Relatively High)
Active NFIP policies in Manitowoc County67
Home insurance premium$923 - statewide average (NAIC, 2023 data)
Key home insurance figures for Manitowoc, WI

Nearby towns

Sources

Data last updated: 2026-09-29