Home Insurance in Mishicot, Wisconsin
The median home value in Mishicot is $143,800, 23% lower than the Manitowoc County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mishicot was built around 1964. About 42% of homes were built before 1960, about 4 points below Manitowoc County's 46%.
In Mishicot, the housing stock is 78% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Mishicot, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Mishicot are owner-occupied.
86% of homes in Mishicot are primarily heated with natural gas.
What's the biggest home insurance risk near Mishicot? FEMA's National Risk Index points to hail (Relatively High) in Manitowoc County and 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 | $143,800 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 76% |
| 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)