Home Insurance in Whitelaw, Wisconsin
The median home value in Whitelaw is $182,800, close to the Manitowoc County median.
The typical home in Whitelaw was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 10 points below Manitowoc County's 46%.
Housing in Whitelaw breaks down to 72% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Whitelaw, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Whitelaw are owner-occupied.
In Whitelaw, 92% 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.
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 | $182,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)