HomeInsuranceQts

Home Insurance in Valders, Wisconsin

With a median home value of $170,500, Valders is 9% 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 Valders was built around 1973. About 33% of homes were built before 1960, about 14 points below Manitowoc County's 46%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Valders is 73% single-family homes, 14% apartments in buildings with 5+ units and 6% mobile or manufactured homes.

64% of owner-occupied homes in Valders carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Valders has an owner-occupancy rate of 75% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.

In Valders, 77% of homes are primarily heated with natural gas.

FEMA rates Manitowoc County's overall risk as Relatively Low, led by hail (Relatively High). 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.

The statewide average premium for a standard HO-3 homeowners policy in Wisconsin is $923 per year, according to the NAIC homeowners insurance report (2023 data).

Key figures

Median home value$170,500
Median year built1973
Owner-occupied share75%
Share of owner-occupied homes with a mortgage64%
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 Valders, WI

Nearby towns

Sources

Data last updated: 2026-09-29