Home Insurance in Reedsville, Wisconsin
The median home value in Reedsville is $167,200, 11% 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 Reedsville was built around 1965. About 42% of homes were built before 1960, about 4 points below Manitowoc County's 46%.
Housing in Reedsville breaks down to 76% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 62% of owner-occupied homes in Reedsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Reedsville has an owner-occupancy rate of 71% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Reedsville, 86% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Reedsville? 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 | $167,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)