Home Insurance in St. Nazianz, Wisconsin
The median home value in St. Nazianz is $139,200, 26% lower than the Manitowoc County median.
The typical home in St. Nazianz was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 34% of homes were built before 1960, about 12 points below Manitowoc County's 46%.
The housing stock in St. Nazianz is 49% single-family homes, 4% apartments in buildings with 5+ units and 35% 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.
43% of owner-occupied homes in St. Nazianz carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Nazianz has an owner-occupancy rate of 90% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In St. Nazianz, 89% 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $139,200 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)